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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 | $106,848 | $101,798+5.0% | $165,071-35.3% | $80,935+32.0% |
| Participation rate | 66.7% | 71.8%-5.2pp | 78.6%-12.0pp | 67.7%-1.0pp |
| Annual return | 10.40% | 16.73%-6.3pp | 70.17%-59.8pp | 35.66%-25.3pp |
| Employer contribution / active EE | $3,054 | $2,954+3.4% | $4,347-29.7% | $2,757+10.8% |
| Participant deferral / active EE | $2,751 | $4,476-38.5% | $6,035-54.4% | $4,299-36.0% |
| Admin fee / account holder | $2,241 | $8,221-72.7% | $12,695-82.3% | $6,924-67.6% |