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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 | $129,420 | $110,379+17.3% | $102,412+26.4% | $145,884-11.3% |
| Participation rate | 69.2% | 77.9%-8.7pp | 74.5%-5.3pp | 80.3%-11.1pp |
| Annual return | 8.18% | 24.84%-16.7pp | 24.94%-16.8pp | 551.85%-543.7pp |
| Employer contribution / active EE | $2,947 | $4,216-30.1% | $3,870-23.8% | $4,662-36.8% |
| Participant deferral / active EE | $4,872 | $5,622-13.3% | $5,060-3.7% | $6,690-27.2% |
| Admin fee / account holder | $38,098 | $9,745+291.0% | $8,388+354.2% | $13,392+184.5% |