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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 | $90,701 | $107,363-15.5% | $92,909-2.4% | $152,897-40.7% |
| Participation rate | 66.7% | 79.8%-13.1pp | 76.0%-9.3pp | 82.5%-15.8pp |
| Annual return | 5.15% | 145.63%-140.5pp | 109.44%-104.3pp | 345.43%-340.3pp |
| Employer contribution / active EE | $11,111 | $4,222+163.2% | $3,653+204.1% | $4,764+133.3% |
| Participant deferral / active EE | $3,029 | $4,848-37.5% | $4,238-28.5% | $5,851-48.2% |
| Admin fee / account holder | $2,177 | $7,082-69.3% | $5,795-62.4% | $11,599-81.2% |