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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 | $111,996 | $101,618+10.2% | $93,063+20.3% | $137,256-18.4% |
| Participation rate | 61.5% | 74.9%-13.4pp | 72.1%-10.6pp | 80.0%-18.4pp |
| Annual return | 8.53% | 223.95%-215.4pp | 34.15%-25.6pp | 220.34%-211.8pp |
| Employer contribution / active EE | $938 | $2,707-65.4% | $2,476-62.1% | $4,156-77.4% |
| Participant deferral / active EE | $1,398 | $4,279-67.3% | $3,958-64.7% | $6,407-78.2% |
| Admin fee / account holder | $71,381 | $6,198+1051.6% | $6,033+1083.1% | $12,270+481.7% |