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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 | $48,903 | $51,207-4.5% | $70,565-30.7% | $75,177-35.0% |
| Participation rate | 68.0% | 61.0%+7.0pp | 68.4%-0.4pp | 67.2%+0.8pp |
| Annual return | 11.10% | 30.05%-18.9pp | 32.79%-21.7pp | 160.75%-149.6pp |
| Employer contribution / active EE | $1,798 | $1,826-1.6% | $2,976-39.6% | $2,671-32.7% |
| Participant deferral / active EE | $3,146 | $2,850+10.4% | $4,568-31.1% | $4,126-23.7% |
| Admin fee / account holder | $4,968 | $4,097+21.3% | $6,430-22.7% | $5,651-12.1% |