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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 | $112,906 | $73,107+54.4% | $114,563-1.4% | $87,485+29.1% |
| Participation rate | 66.7% | 65.8%+0.9pp | 72.9%-6.2pp | 68.9%-2.3pp |
| Annual return | 10.34% | 19.47%-9.1pp | 241.09%-230.8pp | 26.06%-15.7pp |
| Employer contribution / active EE | $995 | $1,881-47.1% | $2,592-61.6% | $2,596-61.7% |
| Participant deferral / active EE | $6,162 | $3,144+96.0% | $4,142+48.8% | $4,274+44.2% |
| Admin fee / account holder | $54,429 | $5,770+843.4% | $7,623+614.0% | $7,775+600.1% |