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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 | $57,119+6.2% | $85,187-28.8% | $80,935-25.1% |
| Participation rate | 69.7% | 56.4%+13.3pp | 67.5%+2.2pp | 67.7%+2.0pp |
| Annual return | 10.52% | 21.70%-11.2pp | 66.67%-56.1pp | 35.66%-25.1pp |
| Employer contribution / active EE | $1,801 | $1,802-0.1% | $2,732-34.1% | $2,757-34.7% |
| Participant deferral / active EE | $4,650 | $3,115+49.3% | $4,525+2.8% | $4,299+8.1% |
| Admin fee / account holder | $2,294 | $4,990-54.0% | $6,162-62.8% | $6,924-66.9% |