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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 | $91,667 | $109,411-16.2% | $89,435+2.5% | $158,982-42.3% |
| Participation rate | 60.0% | 74.3%-14.3pp | 68.0%-8.0pp | 82.0%-22.0pp |
| Annual return | 1.47% | 345.68%-344.2pp | 245.55%-244.1pp | 302.99%-301.5pp |
| Employer contribution / active EE | $1,271 | $3,173-59.9% | $2,587-50.9% | $4,763-73.3% |
| Participant deferral / active EE | $3,926 | $4,600-14.6% | $3,890+0.9% | $5,983-34.4% |
| Admin fee / account holder | $13,344 | $6,159+116.7% | $4,884+173.2% | $11,252+18.6% |