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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 | $169,517 | $78,015+117.3% | $178,505-5.0% | $80,959+109.4% |
| Participation rate | 65.0% | 65.7%-0.7pp | 77.1%-12.1pp | 67.7%-2.7pp |
| Annual return | 10.73% | 18.10%-7.4pp | 27.16%-16.4pp | 35.67%-24.9pp |
| Employer contribution / active EE | $1,679 | $2,281-26.4% | $3,955-57.5% | $2,757-39.1% |
| Participant deferral / active EE | $9,503 | $4,406+115.7% | $6,280+51.3% | $4,300+121.0% |
| Admin fee / account holder | $19,189 | $7,160+168.0% | $10,428+84.0% | $6,925+177.1% |