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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 | $63,773+53.6% | $81,286+20.5% | $80,925+21.1% |
| Participation rate | 69.4% | 63.9%+5.4pp | 69.5%-0.2pp | 67.7%+1.7pp |
| Annual return | 8.50% | 16.37%-7.9pp | 24.80%-16.3pp | 35.65%-27.2pp |
| Employer contribution / active EE | $2,645 | $1,979+33.6% | $2,463+7.4% | $2,756-4.1% |
| Participant deferral / active EE | $5,088 | $3,093+64.5% | $3,883+31.0% | $4,299+18.4% |
| Admin fee / account holder | $6,544 | $5,682+15.2% | $5,764+13.5% | $6,940-5.7% |