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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 | $91,504 | $83,485+9.6% | $125,195-26.9% | $72,976+25.4% |
| Participation rate | 57.1% | 73.3%-16.2pp | 79.8%-22.6pp | 69.5%-12.3pp |
| Annual return | 15.94% | 25.77%-9.8pp | 43.79%-27.9pp | 81.02%-65.1pp |
| Employer contribution / active EE | $2,303 | $2,346-1.8% | $3,866-40.4% | $2,440-5.6% |
| Participant deferral / active EE | $4,208 | $3,586+17.3% | $4,937-14.8% | $3,608+16.6% |
| Admin fee / account holder | $9,523 | $5,518+72.6% | $9,704-1.9% | $5,124+85.9% |