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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 | $126,131 | $81,331+55.1% | $155,534-18.9% | $80,935+55.8% |
| Participation rate | 67.9% | 66.3%+1.7pp | 78.2%-10.3pp | 67.7%+0.3pp |
| Annual return | 9.79% | 33.37%-23.6pp | 64.92%-55.1pp | 35.66%-25.9pp |
| Employer contribution / active EE | $4,355 | $3,105+40.3% | $4,675-6.8% | $2,757+58.0% |
| Participant deferral / active EE | $3,688 | $3,454+6.8% | $5,630-34.5% | $4,299-14.2% |
| Admin fee / account holder | $16,191 | $7,999+102.4% | $15,900+1.8% | $6,924+133.8% |