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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 | $95,482 | $65,434+45.9% | $98,483-3.0% | $85,847+11.2% |
| Participation rate | 52.2% | 65.0%-12.8pp | 73.3%-21.2pp | 69.3%-17.1pp |
| Annual return | 10.32% | 21.75%-11.4pp | 1494.38%-1484.1pp | 318.61%-308.3pp |
| Employer contribution / active EE | $2,307 | $2,169+6.4% | $2,961-22.1% | $2,565-10.1% |
| Participant deferral / active EE | $3,710 | $3,168+17.1% | $4,276-13.3% | $3,952-6.1% |
| Admin fee / account holder | $3,430 | $4,595-25.4% | $5,953-42.4% | $6,261-45.2% |