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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 | $114,164 | $102,422+11.5% | $147,117-22.4% | $80,959+41.0% |
| Participation rate | 68.5% | 75.9%-7.3pp | 82.2%-13.6pp | 67.7%+0.9pp |
| Annual return | 10.20% | 135.16%-125.0pp | 420.54%-410.3pp | 35.67%-25.5pp |
| Employer contribution / active EE | $2,824 | $3,717-24.0% | $4,932-42.7% | $2,757+2.4% |
| Participant deferral / active EE | $9,034 | $6,652+35.8% | $8,065+12.0% | $4,300+110.1% |
| Admin fee / account holder | $33,054 | $7,953+315.6% | $12,993+154.4% | $6,925+377.3% |