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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 | $97,262 | $85,515+13.7% | $112,040-13.2% | $67,986+43.1% |
| Participation rate | 66.3% | 68.2%-1.9pp | 76.5%-10.2pp | 57.2%+9.1pp |
| Annual return | 10.85% | 29.68%-18.8pp | 24.52%-13.7pp | 31.67%-20.8pp |
| Employer contribution / active EE | $939 | $2,191-57.1% | $2,954-68.2% | $2,019-53.5% |
| Participant deferral / active EE | $3,273 | $4,014-18.5% | $5,098-35.8% | $3,358-2.5% |
| Admin fee / account holder | $4,831 | $3,774+28.0% | $12,098-60.1% | $3,203+50.8% |