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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 | $65,890 | $102,422-35.7% | $147,117-55.2% | $80,959-18.6% |
| Participation rate | 66.7% | 75.9%-9.2pp | 82.2%-15.5pp | 67.7%-1.0pp |
| Annual return | 10.66% | 135.16%-124.5pp | 420.54%-409.9pp | 35.67%-25.0pp |
| Employer contribution / active EE | $3,437 | $3,717-7.5% | $4,932-30.3% | $2,757+24.7% |
| Participant deferral / active EE | $5,760 | $6,652-13.4% | $8,065-28.6% | $4,300+34.0% |
| Admin fee / account holder | $7,138 | $7,953-10.3% | $12,993-45.1% | $6,925+3.1% |