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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 | $105,846 | $105,284+0.5% | $150,734-29.8% | $94,015+12.6% |
| Participation rate | 56.7% | 71.7%-15.1pp | 78.4%-21.8pp | 70.8%-14.2pp |
| Annual return | 4.83% | 15.67%-10.8pp | 600.81%-596.0pp | 17.84%-13.0pp |
| Employer contribution / active EE | $1,698 | $3,599-52.8% | $4,918-65.5% | $2,790-39.1% |
| Participant deferral / active EE | $3,142 | $4,274-26.5% | $5,610-44.0% | $4,249-26.1% |
| Admin fee / account holder | $1,018 | $9,839-89.7% | $14,905-93.2% | $8,951-88.6% |