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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 | $84,182 | $93,617-10.1% | $135,982-38.1% | $75,177+12.0% |
| Participation rate | 54.8% | 75.2%-20.4pp | 81.9%-27.1pp | 67.2%-12.4pp |
| Annual return | 11.05% | 30.89%-19.8pp | 68.32%-57.3pp | 160.75%-149.7pp |
| Employer contribution / active EE | $1,872 | $3,538-47.1% | $4,859-61.5% | $2,671-29.9% |
| Participant deferral / active EE | $5,749 | $6,406-10.2% | $7,760-25.9% | $4,126+39.3% |
| Admin fee / account holder | $2,107 | $6,980-69.8% | $10,767-80.4% | $5,651-62.7% |