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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 | $104,499 | $109,872-4.9% | $98,483+6.1% | $167,536-37.6% |
| Participation rate | 68.8% | 75.8%-7.1pp | 73.3%-4.6pp | 82.1%-13.4pp |
| Annual return | 8.69% | 1959.31%-1950.6pp | 1494.38%-1485.7pp | 478.82%-470.1pp |
| Employer contribution / active EE | $955 | $3,225-70.4% | $2,961-67.8% | $4,839-80.3% |
| Participant deferral / active EE | $2,259 | $4,673-51.7% | $4,276-47.2% | $6,342-64.4% |
| Admin fee / account holder | $12,756 | $6,757+88.8% | $5,953+114.3% | $12,315+3.6% |