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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 | $99,104 | $111,814-11.4% | $103,374-4.1% | $145,959-32.1% |
| Participation rate | 63.2% | 77.9%-14.8pp | 74.5%-11.4pp | 80.3%-17.1pp |
| Annual return | 7.95% | 24.77%-16.8pp | 24.89%-16.9pp | 561.95%-554.0pp |
| Employer contribution / active EE | $2,281 | $4,214-45.9% | $3,869-41.1% | $4,661-51.1% |
| Participant deferral / active EE | $3,840 | $5,618-31.7% | $5,058-24.1% | $6,689-42.6% |
| Admin fee / account holder | $19,606 | $9,754+101.0% | $8,394+133.6% | $13,398+46.3% |