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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 | $79,264 | $46,877+69.1% | $122,354-35.2% | $70,126+13.0% |
| Participation rate | 69.4% | 58.2%+11.1pp | 71.6%-2.3pp | 69.5%-0.2pp |
| Annual return | 12.59% | 24.22%-11.6pp | 30.28%-17.7pp | 73.15%-60.6pp |
| Employer contribution / active EE | $2,024 | $1,288+57.1% | $4,051-50.0% | $2,343-13.6% |
| Participant deferral / active EE | $3,195 | $2,167+47.4% | $3,287-2.8% | $3,332-4.1% |
| Admin fee / account holder | $8,859 | $3,324+166.5% | $5,479+61.7% | $4,645+90.7% |