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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 | $88,231 | $102,385-13.8% | $147,080-40.0% | $80,935+9.0% |
| Participation rate | 67.2% | 75.9%-8.7pp | 82.2%-15.0pp | 67.7%-0.4pp |
| Annual return | 9.45% | 135.09%-125.6pp | 420.17%-410.7pp | 35.66%-26.2pp |
| Employer contribution / active EE | $1,591 | $3,717-57.2% | $4,933-67.7% | $2,757-42.3% |
| Participant deferral / active EE | $4,135 | $6,651-37.8% | $8,066-48.7% | $4,299-3.8% |
| Admin fee / account holder | $12,277 | $7,951+54.4% | $12,989-5.5% | $6,924+77.3% |