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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 | $96,399 | $63,861+51.0% | $104,614-7.9% | $79,858+20.7% |
| Participation rate | 65.4% | 64.9%+0.5pp | 74.1%-8.7pp | 69.6%-4.3pp |
| Annual return | 8.53% | 21.30%-12.8pp | 340.56%-332.0pp | 31.72%-23.2pp |
| Employer contribution / active EE | $1,181 | $1,588-25.6% | $2,681-55.9% | $2,471-52.2% |
| Participant deferral / active EE | $2,752 | $2,693+2.2% | $3,739-26.4% | $3,740-26.4% |
| Admin fee / account holder | $18,614 | $4,185+344.8% | $6,464+188.0% | $5,306+250.8% |