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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 | $99,957 | $53,128+88.1% | $86,582+15.4% | $70,126+42.5% |
| Participation rate | 64.5% | 65.3%-0.8pp | 73.5%-9.0pp | 69.5%-5.0pp |
| Annual return | 6.69% | 27.66%-21.0pp | 965.08%-958.4pp | 73.15%-66.5pp |
| Employer contribution / active EE | $1,898 | $2,068-8.2% | $2,839-33.2% | $2,343-19.0% |
| Participant deferral / active EE | $5,508 | $2,695+104.4% | $3,609+52.6% | $3,332+65.3% |
| Admin fee / account holder | $1,227 | $3,584-65.8% | $4,904-75.0% | $4,645-73.6% |