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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 | $88,520 | $61,125+44.8% | $94,057-5.9% | $87,485+1.2% |
| Participation rate | 67.6% | 64.1%+3.6pp | 73.3%-5.7pp | 68.9%-1.3pp |
| Annual return | 8.21% | 35.20%-27.0pp | 480.62%-472.4pp | 26.06%-17.8pp |
| Employer contribution / active EE | $2,403 | $2,136+12.5% | $2,933-18.1% | $2,596-7.4% |
| Participant deferral / active EE | $2,361 | $3,260-27.6% | $4,709-49.9% | $4,274-44.7% |
| Admin fee / account holder | $28,378 | $5,629+404.2% | $7,244+291.7% | $7,775+265.0% |