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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 | $80,703 | $81,504-1.0% | $102,437-21.2% | $80,959-0.3% |
| Participation rate | 68.3% | 66.9%+1.4pp | 74.5%-6.3pp | 67.7%+0.6pp |
| Annual return | 7.30% | 25.60%-18.3pp | 24.95%-17.7pp | 35.67%-28.4pp |
| Employer contribution / active EE | $2,514 | $3,104-19.0% | $3,871-35.0% | $2,757-8.8% |
| Participant deferral / active EE | $4,491 | $3,871+16.0% | $5,060-11.2% | $4,300+4.4% |
| Admin fee / account holder | $9,720 | $6,719+44.7% | $8,388+15.9% | $6,925+40.4% |