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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 | $96,026 | $102,382-6.2% | $147,005-34.7% | $80,874+18.7% |
| Participation rate | 63.6% | 75.8%-12.2pp | 82.2%-18.5pp | 67.6%-4.0pp |
| Annual return | 9.53% | 134.89%-125.4pp | 418.76%-409.2pp | 35.62%-26.1pp |
| Employer contribution / active EE | $2,704 | $3,715-27.2% | $4,934-45.2% | $2,756-1.9% |
| Participant deferral / active EE | $5,598 | $6,646-15.8% | $8,070-30.6% | $4,297+30.3% |
| Admin fee / account holder | $858 | $7,942-89.2% | $13,006-93.4% | $6,935-87.6% |