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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 | $110,853 | $100,194+10.6% | $122,979-9.9% | $86,983+27.4% |
| Participation rate | 60.0% | 73.0%-13.0pp | 77.2%-17.2pp | 69.5%-9.5pp |
| Annual return | 9.96% | 16.47%-6.5pp | 20.12%-10.2pp | 25.83%-15.9pp |
| Employer contribution / active EE | $4,578 | $2,326+96.9% | $3,062+49.5% | $2,584+77.2% |
| Participant deferral / active EE | $6,422 | $4,133+55.4% | $5,003+28.4% | $4,194+53.1% |
| Admin fee / account holder | $976 | $10,148-90.4% | $12,864-92.4% | $7,856-87.6% |