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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 | $81,487 | $117,846-30.9% | $102,434-20.4% | $145,884-44.1% |
| Participation rate | 60.0% | 78.6%-18.6pp | 76.5%-16.5pp | 80.3%-20.3pp |
| Annual return | 8.30% | 31.90%-23.6pp | 29.46%-21.2pp | 551.85%-543.6pp |
| Employer contribution / active EE | $3,882 | $3,615+7.4% | $3,023+28.4% | $4,662-16.7% |
| Participant deferral / active EE | $9,099 | $5,733+58.7% | $5,055+80.0% | $6,690+36.0% |
| Admin fee / account holder | $15,418 | $13,356+15.4% | $9,462+63.0% | $13,392+15.1% |