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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 | $75,194 | $88,778-15.3% | $81,844-8.1% | $145,884-48.5% |
| Participation rate | 60.0% | 75.1%-15.1pp | 72.4%-12.4pp | 80.3%-20.3pp |
| Annual return | 8.75% | 1033.03%-1024.3pp | 778.87%-770.1pp | 551.85%-543.1pp |
| Employer contribution / active EE | $2,053 | $3,087-33.5% | $2,916-29.6% | $4,662-56.0% |
| Participant deferral / active EE | $4,969 | $4,648+6.9% | $4,323+14.9% | $6,690-25.7% |
| Admin fee / account holder | $3,246 | $8,430-61.5% | $7,355-55.9% | $13,392-75.8% |