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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 | $86,712 | $58,391+48.5% | $76,667+13.1% | $72,976+18.8% |
| Participation rate | 50.0% | 67.4%-17.4pp | 72.1%-22.1pp | 69.5%-19.5pp |
| Annual return | 7.57% | 2306.65%-2299.1pp | 1166.74%-1159.2pp | 81.02%-73.4pp |
| Employer contribution / active EE | $0 | $1,787-100.0% | $2,303-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,467 | $2,690-8.3% | $3,336-26.1% | $3,608-31.6% |
| Admin fee / account holder | $25,118 | $4,014+525.7% | $6,423+291.0% | $5,124+390.2% |