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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 | $100,194+5.4% | $122,979-14.2% | $86,983+21.4% |
| Participation rate | 68.6% | 73.0%-4.3pp | 77.2%-8.6pp | 69.5%-0.9pp |
| Annual return | 7.95% | 16.47%-8.5pp | 20.12%-12.2pp | 25.83%-17.9pp |
| Employer contribution / active EE | $1,832 | $2,326-21.2% | $3,062-40.2% | $2,584-29.1% |
| Participant deferral / active EE | $2,839 | $4,133-31.3% | $5,003-43.2% | $4,194-32.3% |
| Admin fee / account holder | $7,546 | $10,148-25.6% | $12,864-41.3% | $7,856-3.9% |