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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 | $84,985 | $79,181+7.3% | $102,423-17.0% | $74,429+14.2% |
| Participation rate | 39.6% | 74.8%-35.2pp | 76.5%-36.9pp | 67.2%-27.6pp |
| Annual return | 11.05% | 54.97%-43.9pp | 29.42%-18.4pp | 1368.38%-1357.3pp |
| Employer contribution / active EE | $1,691 | $2,362-28.4% | $3,023-44.1% | $2,625-35.6% |
| Participant deferral / active EE | $2,519 | $4,416-43.0% | $5,054-50.2% | $4,348-42.1% |
| Admin fee / account holder | $5,716 | $2,002+185.5% | $9,455-39.5% | $1,944+194.0% |