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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 | $87,692 | $102,422-14.4% | $147,117-40.4% | $80,959+8.3% |
| Participation rate | 67.6% | 75.9%-8.3pp | 82.2%-14.6pp | 67.7%-0.1pp |
| Annual return | 10.39% | 135.16%-124.8pp | 420.54%-410.1pp | 35.67%-25.3pp |
| Employer contribution / active EE | $4,841 | $3,717+30.2% | $4,932-1.9% | $2,757+75.6% |
| Participant deferral / active EE | $8,441 | $6,652+26.9% | $8,065+4.7% | $4,300+96.3% |
| Admin fee / account holder | $27,831 | $7,953+249.9% | $12,993+114.2% | $6,925+301.9% |