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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 | $110,135 | $102,422+7.5% | $147,117-25.1% | $80,959+36.0% |
| Participation rate | 65.9% | 75.9%-10.0pp | 82.2%-16.3pp | 67.7%-1.8pp |
| Annual return | 11.04% | 135.16%-124.1pp | 420.54%-409.5pp | 35.67%-24.6pp |
| Employer contribution / active EE | $3,630 | $3,717-2.4% | $4,932-26.4% | $2,757+31.7% |
| Participant deferral / active EE | $7,388 | $6,652+11.1% | $8,065-8.4% | $4,300+71.8% |
| Admin fee / account holder | $2,781 | $7,953-65.0% | $12,993-78.6% | $6,925-59.8% |