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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 | $81,942 | $88,672-7.6% | $105,223-22.1% | $82,448-0.6% |
| Participation rate | 66.7% | 67.9%-1.3pp | 75.0%-8.4pp | 68.1%-1.4pp |
| Annual return | 12.64% | 30.86%-18.2pp | 180.65%-168.0pp | 41.64%-29.0pp |
| Employer contribution / active EE | $2,721 | $3,048-10.7% | $3,689-26.2% | $2,551+6.7% |
| Participant deferral / active EE | $5,397 | $4,036+33.7% | $5,072+6.4% | $4,139+30.4% |
| Admin fee / account holder | $55,111 | $7,146+671.2% | $8,859+522.1% | $7,234+661.8% |