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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 | $56,995 | $55,932+1.9% | $76,735-25.7% | $67,986-16.2% |
| Participation rate | 53.8% | 50.8%+3.0pp | 69.5%-15.7pp | 57.2%-3.4pp |
| Annual return | 9.47% | 23.10%-13.6pp | 29.77%-20.3pp | 31.67%-22.2pp |
| Employer contribution / active EE | $899 | $1,487-39.5% | $2,454-63.4% | $2,019-55.5% |
| Participant deferral / active EE | $2,357 | $2,558-7.8% | $4,088-42.3% | $3,358-29.8% |
| Admin fee / account holder | $3,615 | $4,907-26.3% | $7,189-49.7% | $3,203+12.8% |