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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 | $71,057+19.5% | $93,654-9.3% | $80,874+5.0% |
| Participation rate | 64.4% | 60.4%+4.0pp | 68.7%-4.4pp | 67.6%-3.3pp |
| Annual return | 9.20% | 11.26%-2.1pp | 133.34%-124.1pp | 35.62%-26.4pp |
| Employer contribution / active EE | $3,738 | $1,564+139.0% | $2,421+54.4% | $2,756+35.7% |
| Participant deferral / active EE | $7,577 | $4,034+87.8% | $4,413+71.7% | $4,297+76.3% |
| Admin fee / account holder | $12,753 | $6,944+83.7% | $8,282+54.0% | $6,935+83.9% |