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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 | $129,672 | $106,864+21.3% | $147,318-12.0% | $82,637+56.9% |
| Participation rate | 64.4% | 75.5%-11.1pp | 82.1%-17.7pp | 68.1%-3.7pp |
| Annual return | 11.94% | 27.49%-15.6pp | 70.43%-58.5pp | 53.51%-41.6pp |
| Employer contribution / active EE | $4,314 | $3,417+26.3% | $4,593-6.1% | $2,552+69.0% |
| Participant deferral / active EE | $10,325 | $6,496+59.0% | $7,906+30.6% | $4,126+150.2% |
| Admin fee / account holder | $10,403 | $8,415+23.6% | $13,708-24.1% | $7,339+41.8% |