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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 | $106,449 | $106,918-0.4% | $84,021+26.7% | $152,897-30.4% |
| Participation rate | 66.7% | 75.2%-8.6pp | 69.0%-2.4pp | 82.5%-15.8pp |
| Annual return | 7.24% | 105.01%-97.8pp | 71.32%-64.1pp | 345.43%-338.2pp |
| Employer contribution / active EE | $1,462 | $2,735-46.5% | $1,984-26.3% | $4,764-69.3% |
| Participant deferral / active EE | $1,640 | $4,012-59.1% | $3,239-49.4% | $5,851-72.0% |
| Admin fee / account holder | $852 | $8,288-89.7% | $6,102-86.0% | $11,599-92.7% |