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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 | $64,072 | $54,541+17.5% | $78,778-18.7% | $70,126-8.6% |
| Participation rate | 67.7% | 60.8%+6.9pp | 69.2%-1.5pp | 69.5%-1.8pp |
| Annual return | 11.60% | 21.07%-9.5pp | 35.62%-24.0pp | 73.15%-61.6pp |
| Employer contribution / active EE | $569 | $1,089-47.7% | $1,986-71.3% | $2,343-75.7% |
| Participant deferral / active EE | $4,620 | $2,210+109.1% | $2,958+56.2% | $3,332+38.7% |
| Admin fee / account holder | $8,080 | $3,709+117.9% | $5,134+57.4% | $4,645+73.9% |