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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 | $66,567 | $51,638+28.9% | $68,368-2.6% | $82,448-19.3% |
| Participation rate | 67.3% | 63.6%+3.7pp | 73.8%-6.4pp | 68.1%-0.8pp |
| Annual return | 10.61% | 37.53%-26.9pp | 292.57%-282.0pp | 41.64%-31.0pp |
| Employer contribution / active EE | $1,589 | $2,047-22.3% | $2,649-40.0% | $2,551-37.7% |
| Participant deferral / active EE | $1,246 | $2,914-57.2% | $4,123-69.8% | $4,139-69.9% |
| Admin fee / account holder | $11,389 | $4,643+145.3% | $5,150+121.2% | $7,234+57.4% |