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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 | $98,760 | $138,386-28.6% | $184,260-46.4% | $80,935+22.0% |
| Participation rate | 67.5% | 83.9%-16.4pp | 86.8%-19.3pp | 67.7%-0.2pp |
| Annual return | 11.06% | 20.02%-9.0pp | 28.84%-17.8pp | 35.66%-24.6pp |
| Employer contribution / active EE | $2,202 | $4,851-54.6% | $6,427-65.7% | $2,757-20.1% |
| Participant deferral / active EE | $4,707 | $7,076-33.5% | $9,133-48.5% | $4,299+9.5% |
| Admin fee / account holder | $1,511 | $10,489-85.6% | $13,898-89.1% | $6,924-78.2% |