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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 | $95,847 | $78,483+22.1% | $106,201-9.8% | $74,546+28.6% |
| Participation rate | 68.9% | 72.8%-3.9pp | 75.3%-6.4pp | 67.2%+1.7pp |
| Annual return | 9.99% | 15.94%-6.0pp | 116.26%-106.3pp | 1366.03%-1356.0pp |
| Employer contribution / active EE | $732 | $2,522-71.0% | $3,170-76.9% | $2,624-72.1% |
| Participant deferral / active EE | $4,783 | $4,320+10.7% | $5,012-4.6% | $4,347+10.0% |
| Admin fee / account holder | $14,678 | $2,236+556.5% | $11,039+33.0% | $1,944+655.2% |