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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 | $67,119 | $48,118+39.5% | $136,833-50.9% | $94,015-28.6% |
| Participation rate | 58.6% | 47.4%+11.2pp | 59.0%-0.4pp | 70.8%-12.2pp |
| Annual return | 9.19% | 14.65%-5.5pp | 35.32%-26.1pp | 17.84%-8.7pp |
| Employer contribution / active EE | $1,014 | $821+23.6% | $1,319-23.1% | $2,790-63.7% |
| Participant deferral / active EE | $1,982 | $1,651+20.1% | $2,441-18.8% | $4,249-53.4% |
| Admin fee / account holder | $1,293 | $3,059-57.7% | $4,706-72.5% | $8,951-85.6% |