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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 | $75,469 | $106,005-28.8% | $92,239-18.2% | $147,585-48.9% |
| Participation rate | 66.7% | 80.4%-13.7pp | 76.5%-9.8pp | 82.8%-16.2pp |
| Annual return | 9.22% | 50.05%-40.8pp | 176.29%-167.1pp | 578.58%-569.4pp |
| Employer contribution / active EE | $4,314 | $4,333-0.5% | $3,680+17.2% | $4,876-11.5% |
| Participant deferral / active EE | $12,182 | $4,478+172.0% | $3,897+212.6% | $5,439+124.0% |
| Admin fee / account holder | $2,025 | $6,333-68.0% | $5,194-61.0% | $10,886-81.4% |