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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 | $74,037 | $55,930+32.4% | $76,089-2.7% | $80,925-8.5% |
| Participation rate | 54.4% | 62.1%-7.6pp | 69.1%-14.6pp | 67.7%-13.2pp |
| Annual return | 7.89% | 20.58%-12.7pp | 360.94%-353.1pp | 35.65%-27.8pp |
| Employer contribution / active EE | $1,448 | $1,866-22.4% | $2,690-46.2% | $2,756-47.5% |
| Participant deferral / active EE | $1,893 | $3,051-37.9% | $4,259-55.6% | $4,299-56.0% |
| Admin fee / account holder | $25,311 | $5,241+383.0% | $6,418+294.4% | $6,940+264.7% |