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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 | $81,566 | $63,342+28.8% | $92,235-11.6% | $70,131+16.3% |
| Participation rate | 60.0% | 68.7%-8.7pp | 76.5%-16.5pp | 69.5%-9.5pp |
| Annual return | 8.74% | 530.15%-521.4pp | 176.28%-167.5pp | 73.14%-64.4pp |
| Employer contribution / active EE | $1,727 | $2,471-30.1% | $3,679-53.1% | $2,342-26.3% |
| Participant deferral / active EE | $3,588 | $2,854+25.7% | $3,897-7.9% | $3,332+7.7% |
| Admin fee / account holder | $438 | $3,840-88.6% | $5,194-91.6% | $4,645-90.6% |