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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 | $84,909 | $71,230+19.2% | $93,727-9.4% | $80,959+4.9% |
| Participation rate | 64.4% | 60.4%+4.0pp | 68.7%-4.3pp | 67.7%-3.3pp |
| Annual return | 9.20% | 11.26%-2.1pp | 133.83%-124.6pp | 35.67%-26.5pp |
| Employer contribution / active EE | $3,738 | $1,565+138.8% | $2,421+54.4% | $2,757+35.6% |
| Participant deferral / active EE | $7,577 | $4,037+87.7% | $4,417+71.5% | $4,300+76.2% |
| Admin fee / account holder | $12,753 | $6,961+83.2% | $8,292+53.8% | $6,925+84.1% |