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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 | $53,308 | $57,119-6.7% | $85,187-37.4% | $80,935-34.1% |
| Participation rate | 64.2% | 56.4%+7.7pp | 67.5%-3.4pp | 67.7%-3.5pp |
| Annual return | 6.30% | 21.70%-15.4pp | 66.67%-60.4pp | 35.66%-29.4pp |
| Employer contribution / active EE | $4,451 | $1,802+147.1% | $2,732+62.9% | $2,757+61.5% |
| Participant deferral / active EE | $6,420 | $3,115+106.1% | $4,525+41.9% | $4,299+49.3% |
| Admin fee / account holder | $6,233 | $4,990+24.9% | $6,162+1.2% | $6,924-10.0% |