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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 | $121,362 | $64,324+88.7% | $118,946+2.0% | $79,852+52.0% |
| Participation rate | 54.5% | 64.9%-10.3pp | 75.4%-20.8pp | 69.6%-15.1pp |
| Annual return | 8.75% | 86.45%-77.7pp | 35.89%-27.1pp | 31.72%-23.0pp |
| Employer contribution / active EE | $973 | $1,836-47.0% | $3,263-70.2% | $2,471-60.6% |
| Participant deferral / active EE | $2,524 | $2,824-10.6% | $4,266-40.8% | $3,740-32.5% |
| Admin fee / account holder | $769 | $4,040-81.0% | $6,581-88.3% | $5,306-85.5% |