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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 | $96,686 | $88,815+8.9% | $81,882+18.1% | $145,897-33.7% |
| Participation rate | 60.0% | 75.1%-15.1pp | 72.4%-12.4pp | 80.3%-20.3pp |
| Annual return | 9.15% | 1033.75%-1024.6pp | 779.47%-770.3pp | 552.29%-543.1pp |
| Employer contribution / active EE | $0 | $3,086-100.0% | $2,916-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $8,045 | $4,647+73.1% | $4,323+86.1% | $6,689+20.3% |
| Admin fee / account holder | $1,477 | $8,434-82.5% | $7,360-79.9% | $13,390-89.0% |