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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 | $102,338 | $111,535-8.2% | $105,223-2.7% | $137,256-25.4% |
| Participation rate | 62.5% | 78.1%-15.6pp | 75.0%-12.5pp | 80.0%-17.5pp |
| Annual return | 11.36% | 237.85%-226.5pp | 180.65%-169.3pp | 220.34%-209.0pp |
| Employer contribution / active EE | $3,171 | $3,939-19.5% | $3,689-14.0% | $4,156-23.7% |
| Participant deferral / active EE | $6,809 | $5,500+23.8% | $5,072+34.3% | $6,407+6.3% |
| Admin fee / account holder | $2,119 | $9,721-78.2% | $8,859-76.1% | $12,270-82.7% |