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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 | $99,337 | $114,119-13.0% | $107,187-7.3% | $138,895-28.5% |
| Participation rate | 55.6% | 78.1%-22.5pp | 75.0%-19.5pp | 79.9%-24.4pp |
| Annual return | 8.94% | 273.21%-264.3pp | 204.55%-195.6pp | 145.39%-136.5pp |
| Employer contribution / active EE | $1,004 | $4,059-75.3% | $3,782-73.5% | $4,194-76.1% |
| Participant deferral / active EE | $2,241 | $5,538-59.5% | $5,096-56.0% | $6,396-65.0% |
| Admin fee / account holder | $81,287 | $10,024+710.9% | $9,162+787.2% | $12,562+547.1% |