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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 | $102,382-35.6% | $147,005-55.2% | $80,874-18.5% |
| Participation rate | 66.7% | 75.8%-9.2pp | 82.2%-15.5pp | 67.6%-1.0pp |
| Annual return | 10.66% | 134.89%-124.2pp | 418.76%-408.1pp | 35.62%-25.0pp |
| Employer contribution / active EE | $3,437 | $3,715-7.5% | $4,934-30.3% | $2,756+24.7% |
| Participant deferral / active EE | $5,760 | $6,646-13.3% | $8,070-28.6% | $4,297+34.1% |
| Admin fee / account holder | $7,138 | $7,942-10.1% | $13,006-45.1% | $6,935+2.9% |