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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 | $111,692 | $76,407+46.2% | $150,298-25.7% | $82,448+35.5% |
| Participation rate | 66.7% | 66.4%+0.3pp | 77.8%-11.1pp | 68.1%-1.4pp |
| Annual return | 12.22% | 39.99%-27.8pp | 62.79%-50.6pp | 41.64%-29.4pp |
| Employer contribution / active EE | $1,412 | $2,614-46.0% | $4,154-66.0% | $2,551-44.6% |
| Participant deferral / active EE | $3,718 | $3,214+15.7% | $5,453-31.8% | $4,139-10.2% |
| Admin fee / account holder | $48,786 | $6,352+668.0% | $14,116+245.6% | $7,234+574.4% |