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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 | $104,305 | $108,911-4.2% | $100,392+3.9% | $145,884-28.5% |
| Participation rate | 60.0% | 83.0%-23.0pp | 81.5%-21.5pp | 80.3%-20.3pp |
| Annual return | 9.79% | 58.23%-48.4pp | 49.45%-39.7pp | 551.85%-542.1pp |
| Employer contribution / active EE | $997 | $4,420-77.4% | $3,941-74.7% | $4,662-78.6% |
| Participant deferral / active EE | $11,495 | $8,459+35.9% | $8,090+42.1% | $6,690+71.8% |
| Admin fee / account holder | $1,487 | $9,698-84.7% | $7,904-81.2% | $13,392-88.9% |