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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 | $90,486 | $51,631+75.3% | $129,397-30.1% | $80,925+11.8% |
| Participation rate | 50.7% | 56.9%-6.3pp | 69.6%-19.0pp | 67.7%-17.0pp |
| Annual return | 10.18% | 20.77%-10.6pp | 9453.98%-9443.8pp | 35.65%-25.5pp |
| Employer contribution / active EE | $3,423 | $1,583+116.2% | $4,154-17.6% | $2,756+24.2% |
| Participant deferral / active EE | $2,831 | $2,670+6.0% | $4,167-32.1% | $4,299-34.1% |
| Admin fee / account holder | $22,741 | $4,309+427.8% | $7,679+196.1% | $6,940+227.7% |