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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 | $97,972 | $114,119-14.1% | $107,187-8.6% | $138,895-29.5% |
| Participation rate | 58.8% | 78.1%-19.3pp | 75.0%-16.2pp | 79.9%-21.1pp |
| Annual return | 6.84% | 273.21%-266.4pp | 204.55%-197.7pp | 145.39%-138.6pp |
| Employer contribution / active EE | $1,750 | $4,059-56.9% | $3,782-53.7% | $4,194-58.3% |
| Participant deferral / active EE | $3,600 | $5,538-35.0% | $5,096-29.4% | $6,396-43.7% |
| Admin fee / account holder | $30,184 | $10,024+201.1% | $9,162+229.4% | $12,562+140.3% |