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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 | $83,813 | $80,748+3.8% | $102,383-18.1% | $74,429+12.6% |
| Participation rate | 66.1% | 65.7%+0.5pp | 74.5%-8.4pp | 67.2%-1.1pp |
| Annual return | 9.51% | 27.57%-18.1pp | 24.94%-15.4pp | 1368.38%-1358.9pp |
| Employer contribution / active EE | $2,745 | $3,159-13.1% | $3,870-29.1% | $2,625+4.6% |
| Participant deferral / active EE | $5,298 | $3,861+37.2% | $5,060+4.7% | $4,348+21.8% |
| Admin fee / account holder | $13,098 | $2,371+452.5% | $8,391+56.1% | $1,944+573.7% |