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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 | $56,060+53.6% | $76,002+13.3% | $80,874+6.5% |
| Participation rate | 62.9% | 62.0%+0.8pp | 69.1%-6.2pp | 67.6%-4.8pp |
| Annual return | 9.58% | 20.54%-11.0pp | 360.07%-350.5pp | 35.62%-26.0pp |
| Employer contribution / active EE | $2,284 | $1,873+21.9% | $2,688-15.0% | $2,756-17.1% |
| Participant deferral / active EE | $5,192 | $3,051+70.2% | $4,257+22.0% | $4,297+20.8% |
| Admin fee / account holder | $6,383 | $5,237+21.9% | $6,414-0.5% | $6,935-8.0% |