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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 | $88,755 | $81,504+8.9% | $102,437-13.4% | $80,959+9.6% |
| Participation rate | 57.9% | 66.9%-9.0pp | 74.5%-16.6pp | 67.7%-9.8pp |
| Annual return | 8.58% | 25.60%-17.0pp | 24.95%-16.4pp | 35.67%-27.1pp |
| Employer contribution / active EE | $1,931 | $3,104-37.8% | $3,871-50.1% | $2,757-30.0% |
| Participant deferral / active EE | $4,780 | $3,871+23.5% | $5,060-5.5% | $4,300+11.1% |
| Admin fee / account holder | $10,532 | $6,719+56.7% | $8,388+25.6% | $6,925+52.1% |