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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 | $79,517 | $77,920+2.0% | $149,723-46.9% | $75,177+5.8% |
| Participation rate | 59.4% | 65.6%-6.2pp | 78.8%-19.4pp | 67.2%-7.8pp |
| Annual return | 6.94% | 31.72%-24.8pp | 134.50%-127.6pp | 160.75%-153.8pp |
| Employer contribution / active EE | $2,106 | $3,138-32.9% | $4,821-56.3% | $2,671-21.2% |
| Participant deferral / active EE | $3,459 | $3,411+1.4% | $5,682-39.1% | $4,126-16.2% |
| Admin fee / account holder | $3,495 | $5,951-41.3% | $13,215-73.6% | $5,651-38.2% |