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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 | $103,607 | $102,422+1.2% | $147,117-29.6% | $80,959+28.0% |
| Participation rate | 62.8% | 75.9%-13.1pp | 82.2%-19.4pp | 67.7%-4.9pp |
| Annual return | 10.75% | 135.16%-124.4pp | 420.54%-409.8pp | 35.67%-24.9pp |
| Employer contribution / active EE | $2,627 | $3,717-29.3% | $4,932-46.7% | $2,757-4.7% |
| Participant deferral / active EE | $5,777 | $6,652-13.2% | $8,065-28.4% | $4,300+34.3% |
| Admin fee / account holder | $24,567 | $7,953+208.9% | $12,993+89.1% | $6,925+254.7% |