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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 | $75,541+47.9% | $152,093-26.6% | $82,637+35.2% |
| Participation rate | 66.7% | 66.5%+0.1pp | 77.8%-11.1pp | 68.1%-1.4pp |
| Annual return | 12.22% | 32.56%-20.3pp | 66.36%-54.1pp | 53.51%-41.3pp |
| Employer contribution / active EE | $1,412 | $2,622-46.2% | $4,175-66.2% | $2,552-44.7% |
| Participant deferral / active EE | $3,718 | $3,206+16.0% | $5,451-31.8% | $4,126-9.9% |
| Admin fee / account holder | $48,786 | $6,405+661.7% | $14,497+236.5% | $7,339+564.8% |