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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 | $63,950 | $85,766-25.4% | $136,298-53.1% | $70,126-8.8% |
| Participation rate | 65.9% | 74.2%-8.3pp | 81.9%-16.1pp | 69.5%-3.7pp |
| Annual return | 11.56% | 31.46%-19.9pp | 5156.27%-5144.7pp | 73.15%-61.6pp |
| Employer contribution / active EE | $2,677 | $2,966-9.8% | $4,696-43.0% | $2,343+14.3% |
| Participant deferral / active EE | $5,575 | $5,051+10.4% | $6,247-10.8% | $3,332+67.3% |
| Admin fee / account holder | $15,173 | $5,421+179.9% | $9,244+64.1% | $4,645+226.6% |