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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 | $73,731 | $65,367+12.8% | $92,915-20.6% | $72,976+1.0% |
| Participation rate | 67.6% | 68.3%-0.7pp | 76.0%-8.4pp | 69.5%-1.8pp |
| Annual return | 13.27% | 42.11%-28.8pp | 109.45%-96.2pp | 81.02%-67.7pp |
| Employer contribution / active EE | $997 | $2,594-61.5% | $3,653-72.7% | $2,440-59.1% |
| Participant deferral / active EE | $3,931 | $3,128+25.7% | $4,238-7.2% | $3,608+9.0% |
| Admin fee / account holder | $11,308 | $4,251+166.0% | $5,796+95.1% | $5,124+120.7% |