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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 | $95,954 | $160,028-40.0% | $147,080-34.8% | $145,884-34.2% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 9.02% | 98.60%-89.6pp | 420.17%-411.1pp | 551.85%-542.8pp |
| Employer contribution / active EE | $2,705 | $5,286-48.8% | $4,933-45.2% | $4,662-42.0% |
| Participant deferral / active EE | $6,769 | $8,422-19.6% | $8,066-16.1% | $6,690+1.2% |
| Admin fee / account holder | $705 | $15,030-95.3% | $12,989-94.6% | $13,392-94.7% |