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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 | $105,926 | $95,453+11.0% | $112,040-5.5% | $82,448+28.5% |
| Participation rate | 58.3% | 72.8%-14.4pp | 76.5%-18.2pp | 68.1%-9.7pp |
| Annual return | 11.51% | 23.92%-12.4pp | 24.52%-13.0pp | 41.64%-30.1pp |
| Employer contribution / active EE | $2,899 | $2,318+25.1% | $2,954-1.9% | $2,551+13.6% |
| Participant deferral / active EE | $5,659 | $4,224+34.0% | $5,098+11.0% | $4,139+36.7% |
| Admin fee / account holder | $20,243 | $9,013+124.6% | $12,098+67.3% | $7,234+179.8% |