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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 | $124,007 | $81,487+52.2% | $102,412+21.1% | $80,935+53.2% |
| Participation rate | 67.2% | 66.8%+0.4pp | 74.5%-7.3pp | 67.7%-0.4pp |
| Annual return | 10.10% | 25.60%-15.5pp | 24.94%-14.8pp | 35.66%-25.6pp |
| Employer contribution / active EE | $2,816 | $3,103-9.2% | $3,870-27.2% | $2,757+2.2% |
| Participant deferral / active EE | $6,710 | $3,871+73.4% | $5,060+32.6% | $4,299+56.1% |
| Admin fee / account holder | $13,168 | $6,717+96.0% | $8,388+57.0% | $6,924+90.2% |