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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 | $81,013 | $47,848+69.3% | $81,473-0.6% | $70,124+15.5% |
| Participation rate | 68.9% | 58.3%+10.6pp | 68.0%+0.9pp | 69.5%-0.7pp |
| Annual return | 12.85% | 27.25%-14.4pp | 38.78%-25.9pp | 73.14%-60.3pp |
| Employer contribution / active EE | $3,720 | $1,527+143.6% | $2,568+44.9% | $2,342+58.8% |
| Participant deferral / active EE | $4,231 | $2,453+72.5% | $3,537+19.6% | $3,332+27.0% |
| Admin fee / account holder | $8,399 | $3,145+167.1% | $4,561+84.1% | $4,645+80.8% |