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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 | $81,728 | $102,385-20.2% | $147,080-44.4% | $80,935+1.0% |
| Participation rate | 64.2% | 75.9%-11.7pp | 82.2%-18.0pp | 67.7%-3.5pp |
| Annual return | 8.51% | 135.09%-126.6pp | 420.17%-411.7pp | 35.66%-27.1pp |
| Employer contribution / active EE | $1,743 | $3,717-53.1% | $4,933-64.7% | $2,757-36.8% |
| Participant deferral / active EE | $4,817 | $6,651-27.6% | $8,066-40.3% | $4,299+12.0% |
| Admin fee / account holder | $25,152 | $7,951+216.3% | $12,989+93.6% | $6,924+263.2% |