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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 | $71,197+19.3% | $93,669-9.4% | $80,925+4.9% |
| Participation rate | 64.4% | 60.4%+4.0pp | 68.7%-4.4pp | 67.7%-3.3pp |
| Annual return | 9.20% | 11.27%-2.1pp | 133.59%-124.4pp | 35.65%-26.5pp |
| Employer contribution / active EE | $3,738 | $1,565+138.9% | $2,424+54.3% | $2,756+35.6% |
| Participant deferral / active EE | $7,577 | $4,036+87.8% | $4,416+71.6% | $4,299+76.3% |
| Admin fee / account holder | $12,753 | $6,959+83.3% | $8,291+53.8% | $6,940+83.8% |