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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 | $81,817 | $70,366+16.3% | $66,674+22.7% | $138,895-41.1% |
| Participation rate | 66.7% | 76.2%-9.5pp | 73.7%-7.0pp | 79.9%-13.3pp |
| Annual return | 10.38% | 386.41%-376.0pp | 321.24%-310.9pp | 145.39%-135.0pp |
| Employer contribution / active EE | $4,792 | $2,765+73.3% | $2,620+82.9% | $4,194+14.2% |
| Participant deferral / active EE | $9,446 | $4,374+116.0% | $4,084+131.3% | $6,396+47.7% |
| Admin fee / account holder | $11,134 | $5,262+111.6% | $5,098+118.4% | $12,562-11.4% |