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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 | $169,346 | $78,013+117.1% | $178,449-5.1% | $80,911+109.3% |
| Participation rate | 65.1% | 65.7%-0.6pp | 77.1%-12.0pp | 67.6%-2.5pp |
| Annual return | 10.57% | 18.07%-7.5pp | 27.09%-16.5pp | 35.63%-25.1pp |
| Employer contribution / active EE | $2,734 | $2,287+19.6% | $3,951-30.8% | $2,756-0.8% |
| Participant deferral / active EE | $5,894 | $4,408+33.7% | $6,277-6.1% | $4,297+37.2% |
| Admin fee / account holder | $16,891 | $7,166+135.7% | $10,362+63.0% | $6,935+143.6% |