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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 | $89,636 | $81,262+10.3% | $155,602-42.4% | $80,911+10.8% |
| Participation rate | 62.9% | 66.2%-3.3pp | 78.2%-15.3pp | 67.6%-4.7pp |
| Annual return | 10.57% | 33.34%-22.8pp | 64.81%-54.2pp | 35.63%-25.1pp |
| Employer contribution / active EE | $1,658 | $3,102-46.6% | $4,675-64.5% | $2,756-39.8% |
| Participant deferral / active EE | $3,389 | $3,451-1.8% | $5,629-39.8% | $4,297-21.1% |
| Admin fee / account holder | $2,749 | $7,992-65.6% | $15,923-82.7% | $6,935-60.4% |