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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 | $81,826 | $75,541+8.3% | $152,093-46.2% | $82,637-1.0% |
| Participation rate | 60.5% | 66.5%-6.1pp | 77.8%-17.3pp | 68.1%-7.6pp |
| Annual return | 11.46% | 32.56%-21.1pp | 66.36%-54.9pp | 53.51%-42.0pp |
| Employer contribution / active EE | $911 | $2,622-65.2% | $4,175-78.2% | $2,552-64.3% |
| Participant deferral / active EE | $2,017 | $3,206-37.1% | $5,451-63.0% | $4,126-51.1% |
| Admin fee / account holder | $3,352 | $6,405-47.7% | $14,497-76.9% | $7,339-54.3% |