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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 | $113,049 | $68,878+64.1% | $120,574-6.2% | $80,935+39.7% |
| Participation rate | 69.2% | 61.7%+7.6pp | 71.9%-2.7pp | 67.7%+1.6pp |
| Annual return | 8.95% | 23.67%-14.7pp | 107.42%-98.5pp | 35.66%-26.7pp |
| Employer contribution / active EE | $1,865 | $2,065-9.7% | $3,471-46.3% | $2,757-32.3% |
| Participant deferral / active EE | $3,624 | $3,189+13.6% | $4,996-27.5% | $4,299-15.7% |
| Admin fee / account holder | $1,676 | $5,782-71.0% | $9,445-82.3% | $6,924-75.8% |