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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 | $92,932 | $58,057+60.1% | $97,032-4.2% | $86,983+6.8% |
| Participation rate | 52.2% | 60.4%-8.2pp | 71.6%-19.4pp | 69.5%-17.4pp |
| Annual return | 9.54% | 22.26%-12.7pp | 35.38%-25.8pp | 25.83%-16.3pp |
| Employer contribution / active EE | $3,591 | $1,663+115.9% | $2,629+36.6% | $2,584+39.0% |
| Participant deferral / active EE | $2,612 | $3,244-19.5% | $4,672-44.1% | $4,194-37.7% |
| Admin fee / account holder | $7,878 | $4,839+62.8% | $9,418-16.3% | $7,856+0.3% |