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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 | $93,425 | $75,720+23.4% | $90,312+3.4% | $86,983+7.4% |
| Participation rate | 61.3% | 66.3%-5.0pp | 72.9%-11.6pp | 69.5%-8.3pp |
| Annual return | 10.48% | 18.55%-8.1pp | 18.90%-8.4pp | 25.83%-15.4pp |
| Employer contribution / active EE | $3,193 | $1,945+64.2% | $2,243+42.4% | $2,584+23.6% |
| Participant deferral / active EE | $8,904 | $3,001+196.7% | $3,749+137.5% | $4,194+112.3% |
| Admin fee / account holder | $52,324 | $6,201+743.9% | $8,248+534.4% | $7,856+566.1% |