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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 | $57,057-6.6% | $85,009-37.3% | $80,874-34.1% |
| Participation rate | 64.2% | 56.4%+7.8pp | 67.5%-3.4pp | 67.6%-3.5pp |
| Annual return | 6.30% | 21.66%-15.4pp | 66.47%-60.2pp | 35.62%-29.3pp |
| Employer contribution / active EE | $4,451 | $1,799+147.5% | $2,728+63.1% | $2,756+61.5% |
| Participant deferral / active EE | $6,420 | $3,112+106.3% | $4,522+42.0% | $4,297+49.4% |
| Admin fee / account holder | $6,233 | $4,986+25.0% | $6,153+1.3% | $6,935-10.1% |