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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 | $101,763-1.6% | $164,866-39.2% | $80,874+23.9% |
| Participation rate | 69.7% | 71.8%-2.1pp | 78.6%-8.9pp | 67.6%+2.0pp |
| Annual return | 10.00% | 16.73%-6.7pp | 69.97%-60.0pp | 35.62%-25.6pp |
| Employer contribution / active EE | $1,637 | $2,954-44.6% | $4,343-62.3% | $2,756-40.6% |
| Participant deferral / active EE | $3,251 | $4,477-27.4% | $6,033-46.1% | $4,297-24.3% |
| Admin fee / account holder | $9,929 | $8,228+20.7% | $12,689-21.8% | $6,935+43.2% |