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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 | $80,031 | $63,346+26.3% | $92,240-13.2% | $70,126+14.1% |
| Participation rate | 65.4% | 68.7%-3.3pp | 76.5%-11.1pp | 69.5%-4.2pp |
| Annual return | 9.42% | 530.19%-520.8pp | 176.29%-166.9pp | 73.15%-63.7pp |
| Employer contribution / active EE | $565 | $2,471-77.1% | $3,680-84.7% | $2,343-75.9% |
| Participant deferral / active EE | $3,801 | $2,854+33.2% | $3,897-2.5% | $3,332+14.1% |
| Admin fee / account holder | $2,399 | $3,841-37.5% | $5,194-53.8% | $4,645-48.4% |