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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 | $100,857 | $87,132+15.8% | $105,624-4.5% | $80,959+24.6% |
| Participation rate | 69.0% | 70.4%-1.4pp | 75.3%-6.2pp | 67.7%+1.4pp |
| Annual return | 10.14% | 17.03%-6.9pp | 116.20%-106.1pp | 35.67%-25.5pp |
| Employer contribution / active EE | $2,784 | $2,397+16.2% | $3,168-12.1% | $2,757+1.0% |
| Participant deferral / active EE | $4,386 | $3,985+10.1% | $5,013-12.5% | $4,300+2.0% |
| Admin fee / account holder | $18,187 | $8,449+115.3% | $10,961+65.9% | $6,925+162.6% |