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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 | $131,250 | $103,392+26.9% | $87,104+50.7% | $152,897-14.2% |
| Participation rate | 60.9% | 79.4%-18.5pp | 76.9%-16.0pp | 82.5%-21.6pp |
| Annual return | 8.30% | 28.10%-19.8pp | 28.19%-19.9pp | 345.43%-337.1pp |
| Employer contribution / active EE | $2,284 | $3,221-29.1% | $2,521-9.4% | $4,764-52.1% |
| Participant deferral / active EE | $4,596 | $4,778-3.8% | $4,048+13.5% | $5,851-21.5% |
| Admin fee / account holder | $1,241 | $12,194-89.8% | $7,491-83.4% | $11,599-89.3% |