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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 | $62,628 | $81,504-23.2% | $102,437-38.9% | $80,959-22.6% |
| Participation rate | 67.3% | 66.9%+0.5pp | 74.5%-7.2pp | 67.7%-0.3pp |
| Annual return | 10.44% | 25.60%-15.2pp | 24.95%-14.5pp | 35.67%-25.2pp |
| Employer contribution / active EE | $2,496 | $3,104-19.6% | $3,871-35.5% | $2,757-9.5% |
| Participant deferral / active EE | $4,050 | $3,871+4.6% | $5,060-20.0% | $4,300-5.8% |
| Admin fee / account holder | $8,198 | $6,719+22.0% | $8,388-2.3% | $6,925+18.4% |