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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 | $67,635 | $57,828+17.0% | $117,039-42.2% | $70,124-3.6% |
| Participation rate | 66.7% | 67.1%-0.5pp | 77.2%-10.5pp | 69.5%-2.9pp |
| Annual return | 10.61% | 17.55%-6.9pp | 18.95%-8.3pp | 73.14%-62.5pp |
| Employer contribution / active EE | $1,565 | $1,816-13.8% | $3,785-58.7% | $2,342-33.2% |
| Participant deferral / active EE | $3,648 | $2,438+49.7% | $3,929-7.2% | $3,332+9.5% |
| Admin fee / account holder | $1,278 | $3,548-64.0% | $5,974-78.6% | $4,645-72.5% |