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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 | $158,402 | $73,787+114.7% | $98,716+60.5% | $82,448+92.1% |
| Participation rate | 69.0% | 61.4%+7.6pp | 69.3%-0.3pp | 68.1%+0.9pp |
| Annual return | 11.95% | 18.57%-6.6pp | 31.81%-19.9pp | 41.64%-29.7pp |
| Employer contribution / active EE | $2,804 | $1,511+85.6% | $2,279+23.1% | $2,551+9.9% |
| Participant deferral / active EE | $5,236 | $3,081+69.9% | $4,048+29.4% | $4,139+26.5% |
| Admin fee / account holder | $59,486 | $6,500+815.1% | $8,703+583.5% | $7,234+722.3% |