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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 | $102,382-14.3% | $147,005-40.3% | $80,874+8.4% |
| Participation rate | 67.6% | 75.8%-8.3pp | 82.2%-14.6pp | 67.6%-0.1pp |
| Annual return | 10.39% | 134.89%-124.5pp | 418.76%-408.4pp | 35.62%-25.2pp |
| Employer contribution / active EE | $4,841 | $3,715+30.3% | $4,934-1.9% | $2,756+75.7% |
| Participant deferral / active EE | $8,441 | $6,646+27.0% | $8,070+4.6% | $4,297+96.5% |
| Admin fee / account holder | $27,831 | $7,942+250.4% | $13,006+114.0% | $6,935+301.3% |