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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 | $40,928 | $52,279-21.7% | $89,414-54.2% | $79,852-48.7% |
| Participation rate | 64.7% | 57.5%+7.2pp | 68.0%-3.3pp | 69.6%-4.9pp |
| Annual return | 9.31% | 22.16%-12.9pp | 245.50%-236.2pp | 31.72%-22.4pp |
| Employer contribution / active EE | $2,426 | $1,572+54.4% | $2,586-6.2% | $2,471-1.8% |
| Participant deferral / active EE | $5,190 | $2,740+89.4% | $3,890+33.4% | $3,740+38.8% |
| Admin fee / account holder | $6,052 | $3,356+80.3% | $4,883+23.9% | $5,306+14.1% |