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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 | $102,422-6.2% | $147,117-34.7% | $80,959+18.6% |
| Participation rate | 63.6% | 75.9%-12.2pp | 82.2%-18.5pp | 67.7%-4.0pp |
| Annual return | 9.53% | 135.16%-125.6pp | 420.54%-411.0pp | 35.67%-26.1pp |
| Employer contribution / active EE | $2,704 | $3,717-27.3% | $4,932-45.2% | $2,757-1.9% |
| Participant deferral / active EE | $5,598 | $6,652-15.8% | $8,065-30.6% | $4,300+30.2% |
| Admin fee / account holder | $858 | $7,953-89.2% | $12,993-93.4% | $6,925-87.6% |