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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 | $70,164 | $78,670-10.8% | $109,173-35.7% | $85,847-18.3% |
| Participation rate | 69.7% | 68.3%+1.4pp | 75.9%-6.2pp | 69.3%+0.4pp |
| Annual return | 11.14% | 25.09%-14.0pp | 25.75%-14.6pp | 318.61%-307.5pp |
| Employer contribution / active EE | $4,365 | $2,734+59.7% | $3,723+17.3% | $2,565+70.2% |
| Participant deferral / active EE | $4,804 | $3,467+38.6% | $4,654+3.2% | $3,952+21.6% |
| Admin fee / account holder | $5,014 | $5,469-8.3% | $6,755-25.8% | $6,261-19.9% |