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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 | $84,784 | $57,305+48.0% | $86,640-2.1% | $75,173+12.8% |
| Participation rate | 41.4% | 63.2%-21.8pp | 71.7%-30.3pp | 67.2%-25.8pp |
| Annual return | 12.10% | 2674.24%-2662.1pp | 592.52%-580.4pp | 160.72%-148.6pp |
| Employer contribution / active EE | $1,394 | $2,316-39.8% | $3,024-53.9% | $2,671-47.8% |
| Participant deferral / active EE | $4,002 | $3,320+20.6% | $4,438-9.8% | $4,126-3.0% |
| Admin fee / account holder | $5,318 | $4,116+29.2% | $5,616-5.3% | $5,651-5.9% |