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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 | $112,906 | $63,703+77.2% | $93,063+21.3% | $82,448+36.9% |
| Participation rate | 66.7% | 63.8%+2.8pp | 72.1%-5.4pp | 68.1%-1.4pp |
| Annual return | 10.34% | -775.43%+785.8pp | 34.15%-23.8pp | 41.64%-31.3pp |
| Employer contribution / active EE | $995 | $1,729-42.4% | $2,476-59.8% | $2,551-61.0% |
| Participant deferral / active EE | $6,162 | $2,919+111.1% | $3,958+55.7% | $4,139+48.9% |
| Admin fee / account holder | $54,429 | $5,982+809.9% | $6,033+802.2% | $7,234+652.4% |