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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 | $91,914 | $81,276+13.1% | $155,574-40.9% | $80,925+13.6% |
| Participation rate | 61.8% | 66.2%-4.5pp | 78.2%-16.4pp | 67.7%-5.9pp |
| Annual return | 9.75% | 33.36%-23.6pp | 64.87%-55.1pp | 35.65%-25.9pp |
| Employer contribution / active EE | $2,094 | $3,103-32.5% | $4,676-55.2% | $2,756-24.0% |
| Participant deferral / active EE | $4,985 | $3,453+44.4% | $5,629-11.5% | $4,299+16.0% |
| Admin fee / account holder | $772 | $7,993-90.3% | $15,914-95.2% | $6,940-88.9% |