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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 | $100,281 | $80,992+23.8% | $96,534+3.9% | $75,173+33.4% |
| Participation rate | 68.1% | 71.8%-3.7pp | 76.0%-7.9pp | 67.2%+0.9pp |
| Annual return | 12.04% | 27.05%-15.0pp | 25.88%-13.8pp | 160.72%-148.7pp |
| Employer contribution / active EE | $837 | $2,283-63.3% | $2,965-71.8% | $2,671-68.7% |
| Participant deferral / active EE | $3,414 | $3,929-13.1% | $4,851-29.6% | $4,126-17.3% |
| Admin fee / account holder | $9,856 | $6,717+46.7% | $8,253+19.4% | $5,651+74.4% |