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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 | $69,879 | $63,346+10.3% | $92,239-24.2% | $70,124-0.4% |
| Participation rate | 58.1% | 68.7%-10.5pp | 76.5%-18.3pp | 69.5%-11.4pp |
| Annual return | 10.14% | 530.19%-520.0pp | 176.29%-166.1pp | 73.14%-63.0pp |
| Employer contribution / active EE | $879 | $2,471-64.4% | $3,680-76.1% | $2,342-62.5% |
| Participant deferral / active EE | $2,595 | $2,854-9.1% | $3,897-33.4% | $3,332-22.1% |
| Admin fee / account holder | $2,558 | $3,841-33.4% | $5,194-50.8% | $4,645-44.9% |