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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 | $120,902 | $100,203+20.7% | $85,240+41.8% | $145,897-17.1% |
| Participation rate | 58.3% | 74.1%-15.8pp | 67.5%-9.2pp | 80.3%-22.0pp |
| Annual return | 6.10% | 84.28%-78.2pp | 66.75%-60.7pp | 552.29%-546.2pp |
| Employer contribution / active EE | $1,185 | $3,242-63.5% | $2,735-56.7% | $4,663-74.6% |
| Participant deferral / active EE | $1,929 | $5,299-63.6% | $4,527-57.4% | $6,689-71.2% |
| Admin fee / account holder | $2,188 | $7,265-69.9% | $6,165-64.5% | $13,390-83.7% |