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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 | $121,870 | $144,130-15.4% | $117,860+3.4% | $147,585-17.4% |
| Participation rate | 57.1% | 83.4%-26.3pp | 79.7%-22.5pp | 82.8%-25.7pp |
| Annual return | 7.03% | 531.20%-524.2pp | 335.10%-328.1pp | 578.58%-571.6pp |
| Employer contribution / active EE | $3,034 | $4,897-38.0% | $3,786-19.9% | $4,876-37.8% |
| Participant deferral / active EE | $3,184 | $5,316-40.1% | $4,482-29.0% | $5,439-41.5% |
| Admin fee / account holder | $1,299 | $10,887-88.1% | $8,021-83.8% | $10,886-88.1% |