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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 | $62,788 | $51,202+22.6% | $70,548-11.0% | $75,181-16.5% |
| Participation rate | 60.6% | 61.0%-0.3pp | 68.3%-7.7pp | 67.2%-6.6pp |
| Annual return | 12.94% | 30.05%-17.1pp | 32.78%-19.8pp | 160.69%-147.7pp |
| Employer contribution / active EE | $1,426 | $1,827-22.0% | $2,975-52.1% | $2,671-46.6% |
| Participant deferral / active EE | $3,510 | $2,850+23.2% | $4,567-23.1% | $4,126-14.9% |
| Admin fee / account holder | $476 | $4,094-88.4% | $6,424-92.6% | $5,650-91.6% |