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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 | $81,334+19.6% | $113,397-14.2% | $64,097+51.7% |
| Participation rate | 66.3% | 65.6%+0.7pp | 76.5%-10.2pp | 55.2%+11.1pp |
| Annual return | 10.85% | 32.50%-21.7pp | 23.20%-12.4pp | 34.64%-23.8pp |
| Employer contribution / active EE | $939 | $2,077-54.8% | $2,977-68.4% | $1,891-50.3% |
| Participant deferral / active EE | $3,273 | $3,795-13.8% | $5,076-35.5% | $3,080+6.3% |
| Admin fee / account holder | $4,831 | $4,208+14.8% | $11,957-59.6% | $3,454+39.8% |