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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 | $88,366 | $75,720+16.7% | $90,312-2.2% | $86,983+1.6% |
| Participation rate | 57.8% | 66.3%-8.4pp | 72.9%-15.1pp | 69.5%-11.7pp |
| Annual return | 11.10% | 18.55%-7.5pp | 18.90%-7.8pp | 25.83%-14.7pp |
| Employer contribution / active EE | $1,603 | $1,945-17.6% | $2,243-28.5% | $2,584-38.0% |
| Participant deferral / active EE | $3,597 | $3,001+19.9% | $3,749-4.1% | $4,194-14.2% |
| Admin fee / account holder | $9,455 | $6,201+52.5% | $8,248+14.6% | $7,856+20.4% |