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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 | $71,197+65.0% | $93,669+25.4% | $80,925+45.2% |
| Participation rate | 65.3% | 60.4%+4.9pp | 68.7%-3.4pp | 67.7%-2.4pp |
| Annual return | 6.78% | 11.27%-4.5pp | 133.59%-126.8pp | 35.65%-28.9pp |
| Employer contribution / active EE | $2,819 | $1,565+80.2% | $2,424+16.3% | $2,756+2.3% |
| Participant deferral / active EE | $4,924 | $4,036+22.0% | $4,416+11.5% | $4,299+14.6% |
| Admin fee / account holder | $10,050 | $6,959+44.4% | $8,291+21.2% | $6,940+44.8% |