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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 | $60,661 | $57,073+6.3% | $85,126-28.7% | $80,925-25.0% |
| Participation rate | 69.7% | 56.4%+13.3pp | 67.5%+2.2pp | 67.7%+2.0pp |
| Annual return | 10.52% | 21.69%-11.2pp | 66.63%-56.1pp | 35.65%-25.1pp |
| Employer contribution / active EE | $1,801 | $1,8010% | $2,731-34.1% | $2,756-34.7% |
| Participant deferral / active EE | $4,650 | $3,113+49.4% | $4,523+2.8% | $4,299+8.2% |
| Admin fee / account holder | $2,294 | $4,988-54.0% | $6,160-62.8% | $6,940-67.0% |