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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 | $61,810 | $54,679+13.0% | $76,119-18.8% | $74,459-17.0% |
| Participation rate | 35.8% | 60.3%-24.6pp | 69.1%-33.3pp | 67.2%-31.5pp |
| Annual return | 7.64% | 31.90%-24.3pp | 361.25%-353.6pp | 1369.70%-1362.1pp |
| Employer contribution / active EE | $638 | $1,781-64.2% | $2,693-76.3% | $2,626-75.7% |
| Participant deferral / active EE | $1,360 | $3,072-55.7% | $4,259-68.1% | $4,350-68.7% |
| Admin fee / account holder | $2,519 | $2,238+12.6% | $6,421-60.8% | $1,945+29.5% |