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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 | $117,487 | $71,230+64.9% | $93,727+25.4% | $80,959+45.1% |
| Participation rate | 65.3% | 60.4%+4.9pp | 68.7%-3.4pp | 67.7%-2.4pp |
| Annual return | 6.78% | 11.26%-4.5pp | 133.83%-127.0pp | 35.67%-28.9pp |
| Employer contribution / active EE | $2,819 | $1,565+80.1% | $2,421+16.4% | $2,757+2.2% |
| Participant deferral / active EE | $4,924 | $4,037+22.0% | $4,417+11.5% | $4,300+14.5% |
| Admin fee / account holder | $10,050 | $6,961+44.4% | $8,292+21.2% | $6,925+45.1% |