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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 | $115,747 | $102,938+12.4% | $94,105+23.0% | $138,895-16.7% |
| Participation rate | 66.7% | 74.6%-8.0pp | 71.9%-5.3pp | 79.9%-13.3pp |
| Annual return | 9.83% | 250.28%-240.5pp | 204.55%-194.7pp | 145.39%-135.6pp |
| Employer contribution / active EE | $0 | $2,732-100.0% | $2,504-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $1,592 | $4,196-62.1% | $3,881-59.0% | $6,396-75.1% |
| Admin fee / account holder | $8,079 | $6,600+22.4% | $6,199+30.3% | $12,562-35.7% |