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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 | $78,562+22.0% | $105,608-9.2% | $74,429+28.8% |
| Participation rate | 68.9% | 72.8%-3.9pp | 75.3%-6.4pp | 67.2%+1.7pp |
| Annual return | 9.99% | 15.94%-6.0pp | 116.50%-106.5pp | 1368.38%-1358.4pp |
| Employer contribution / active EE | $732 | $2,521-71.0% | $3,167-76.9% | $2,625-72.1% |
| Participant deferral / active EE | $4,783 | $4,321+10.7% | $5,010-4.5% | $4,348+10.0% |
| Admin fee / account holder | $14,678 | $2,217+562.1% | $11,028+33.1% | $1,944+654.9% |