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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 | $127,203 | $62,592+103.2% | $85,709+48.4% | $85,847+48.2% |
| Participation rate | 69.0% | 61.1%+7.8pp | 69.9%-0.9pp | 69.3%-0.4pp |
| Annual return | 10.55% | 23.77%-13.2pp | 21.49%-10.9pp | 318.61%-308.1pp |
| Employer contribution / active EE | $1,916 | $1,755+9.1% | $2,619-26.8% | $2,565-25.3% |
| Participant deferral / active EE | $4,249 | $2,802+51.6% | $3,924+8.3% | $3,952+7.5% |
| Admin fee / account holder | $969 | $4,643-79.1% | $6,876-85.9% | $6,261-84.5% |