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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $105,560 | $104,098+1.4% | $140,514-24.9% | $94,015+12.3% |
| Participation rate | 68.6% | 73.7%-5.1pp | 77.8%-9.2pp | 70.8%-2.2pp |
| Annual return | 7.95% | 15.14%-7.2pp | 14.36%-6.4pp | 17.84%-9.9pp |
| Employer contribution / active EE | $1,832 | $2,388-23.3% | $3,378-45.8% | $2,790-34.3% |
| Participant deferral / active EE | $2,839 | $4,033-29.6% | $4,919-42.3% | $4,249-33.2% |
| Admin fee / account holder | $7,546 | $10,439-27.7% | $13,697-44.9% | $8,951-15.7% |