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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 | $134,942 | $91,198+48.0% | $178,503-24.4% | $79,856+69.0% |
| Participation rate | 68.4% | 69.2%-0.8pp | 81.9%-13.5pp | 69.6%-1.2pp |
| Annual return | 9.60% | 24.20%-14.6pp | 151.12%-141.5pp | 31.71%-22.1pp |
| Employer contribution / active EE | $6,841 | $3,257+110.1% | $5,011+36.5% | $2,471+176.8% |
| Participant deferral / active EE | $2,619 | $3,237-19.1% | $5,202-49.7% | $3,741-30.0% |
| Admin fee / account holder | $5,023 | $6,748-25.6% | $13,987-64.1% | $5,306-5.3% |