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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 | $93,345+13.4% | $119,126-11.1% | $87,485+21.0% |
| Participation rate | 56.7% | 68.7%-12.1pp | 75.8%-19.1pp | 68.9%-12.3pp |
| Annual return | 4.83% | 19.08%-14.2pp | 282.11%-277.3pp | 26.06%-21.2pp |
| Employer contribution / active EE | $1,698 | $3,172-46.5% | $4,034-57.9% | $2,596-34.6% |
| Participant deferral / active EE | $3,142 | $4,099-23.3% | $5,318-40.9% | $4,274-26.5% |
| Admin fee / account holder | $1,018 | $8,039-87.3% | $10,693-90.5% | $7,775-86.9% |