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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 | $139,066 | $88,672+56.8% | $105,223+32.2% | $82,448+68.7% |
| Participation rate | 69.7% | 67.9%+1.8pp | 75.0%-5.3pp | 68.1%+1.6pp |
| Annual return | 11.08% | 30.86%-19.8pp | 180.65%-169.6pp | 41.64%-30.6pp |
| Employer contribution / active EE | $2,172 | $3,048-28.7% | $3,689-41.1% | $2,551-14.9% |
| Participant deferral / active EE | $4,551 | $4,036+12.8% | $5,072-10.3% | $4,139+9.9% |
| Admin fee / account holder | $8,023 | $7,146+12.3% | $8,859-9.4% | $7,234+10.9% |