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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 | $76,495 | $70,418+8.6% | $96,570-20.8% | $85,847-10.9% |
| Participation rate | 65.7% | 61.8%+3.9pp | 69.8%-4.1pp | 69.3%-3.6pp |
| Annual return | 10.25% | 18.59%-8.3pp | 37.79%-27.5pp | 318.61%-308.4pp |
| Employer contribution / active EE | $727 | $1,413-48.6% | $2,357-69.2% | $2,565-71.7% |
| Participant deferral / active EE | $5,126 | $2,894+77.1% | $3,849+33.2% | $3,952+29.7% |
| Admin fee / account holder | $2,223 | $4,995-55.5% | $6,182-64.0% | $6,261-64.5% |