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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 | $86,106 | $55,930+54.0% | $76,089+13.2% | $80,925+6.4% |
| Participation rate | 62.9% | 62.1%+0.8pp | 69.1%-6.2pp | 67.7%-4.8pp |
| Annual return | 9.58% | 20.58%-11.0pp | 360.94%-351.4pp | 35.65%-26.1pp |
| Employer contribution / active EE | $2,284 | $1,866+22.4% | $2,690-15.1% | $2,756-17.1% |
| Participant deferral / active EE | $5,192 | $3,051+70.2% | $4,259+21.9% | $4,299+20.8% |
| Admin fee / account holder | $6,383 | $5,241+21.8% | $6,418-0.5% | $6,940-8.0% |