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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 | $57,061+31.7% | $85,063-11.7% | $80,911-7.2% |
| Participation rate | 58.5% | 56.3%+2.2pp | 67.5%-9.0pp | 67.6%-9.1pp |
| Annual return | 10.31% | 21.66%-11.4pp | 66.54%-56.2pp | 35.63%-25.3pp |
| Employer contribution / active EE | $3,097 | $1,799+72.2% | $2,727+13.6% | $2,756+12.4% |
| Participant deferral / active EE | $3,747 | $3,110+20.5% | $4,523-17.1% | $4,297-12.8% |
| Admin fee / account holder | $17,120 | $4,986+243.4% | $6,155+178.1% | $6,935+146.9% |