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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 | $100,181 | $101,795-1.6% | $165,100-39.3% | $80,959+23.7% |
| Participation rate | 69.7% | 71.8%-2.1pp | 78.6%-8.9pp | 67.7%+2.0pp |
| Annual return | 10.00% | 16.73%-6.7pp | 70.21%-60.2pp | 35.67%-25.7pp |
| Employer contribution / active EE | $1,637 | $2,954-44.6% | $4,348-62.4% | $2,757-40.6% |
| Participant deferral / active EE | $3,251 | $4,476-27.4% | $6,035-46.1% | $4,300-24.4% |
| Admin fee / account holder | $9,929 | $8,221+20.8% | $12,696-21.8% | $6,925+43.4% |