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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 | $95,072 | $88,778+7.1% | $81,844+16.2% | $145,884-34.8% |
| Participation rate | 42.9% | 75.1%-32.2pp | 72.4%-29.5pp | 80.3%-37.4pp |
| Annual return | 9.18% | 1033.03%-1023.9pp | 778.87%-769.7pp | 551.85%-542.7pp |
| Employer contribution / active EE | $1,499 | $3,087-51.5% | $2,916-48.6% | $4,662-67.9% |
| Participant deferral / active EE | $2,258 | $4,648-51.4% | $4,323-47.8% | $6,690-66.3% |
| Admin fee / account holder | $5,228 | $8,430-38.0% | $7,355-28.9% | $13,392-61.0% |