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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 | $75,122 | $57,119+31.5% | $85,187-11.8% | $80,935-7.2% |
| Participation rate | 58.5% | 56.4%+2.1pp | 67.5%-9.0pp | 67.7%-9.2pp |
| Annual return | 10.31% | 21.70%-11.4pp | 66.67%-56.4pp | 35.66%-25.4pp |
| Employer contribution / active EE | $3,097 | $1,802+71.9% | $2,732+13.4% | $2,757+12.4% |
| Participant deferral / active EE | $3,747 | $3,115+20.3% | $4,525-17.2% | $4,299-12.8% |
| Admin fee / account holder | $17,120 | $4,990+243.1% | $6,162+177.8% | $6,924+147.2% |