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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 | $96,335 | $88,778+8.5% | $81,844+17.7% | $145,884-34.0% |
| Participation rate | 60.0% | 75.1%-15.1pp | 72.4%-12.4pp | 80.3%-20.3pp |
| Annual return | 4.20% | 1033.03%-1028.8pp | 778.87%-774.7pp | 551.85%-547.6pp |
| Employer contribution / active EE | $3,953 | $3,087+28.1% | $2,916+35.5% | $4,662-15.2% |
| Participant deferral / active EE | $8,792 | $4,648+89.1% | $4,323+103.3% | $6,690+31.4% |
| Admin fee / account holder | $2,406 | $8,430-71.5% | $7,355-67.3% | $13,392-82.0% |