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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 | $93,710 | $88,672+5.7% | $105,223-10.9% | $82,448+13.7% |
| Participation rate | 67.9% | 67.9%-0.1pp | 75.0%-7.2pp | 68.1%-0.2pp |
| Annual return | 10.28% | 30.86%-20.6pp | 180.65%-170.4pp | 41.64%-31.4pp |
| Employer contribution / active EE | $2,342 | $3,048-23.2% | $3,689-36.5% | $2,551-8.2% |
| Participant deferral / active EE | $3,346 | $4,036-17.1% | $5,072-34.0% | $4,139-19.2% |
| Admin fee / account holder | $87,662 | $7,146+1126.7% | $8,859+889.6% | $7,234+1111.8% |