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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 | $97,982 | $63,809+53.6% | $81,353+20.4% | $80,935+21.1% |
| Participation rate | 69.4% | 63.9%+5.5pp | 69.5%-0.2pp | 67.7%+1.7pp |
| Annual return | 8.50% | 16.37%-7.9pp | 24.82%-16.3pp | 35.66%-27.2pp |
| Employer contribution / active EE | $2,645 | $1,981+33.5% | $2,464+7.3% | $2,757-4.1% |
| Participant deferral / active EE | $5,088 | $3,093+64.5% | $3,885+31.0% | $4,299+18.3% |
| Admin fee / account holder | $6,544 | $5,686+15.1% | $5,766+13.5% | $6,924-5.5% |