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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 | $75,009 | $75,962-1.3% | $154,111-51.3% | $64,173+16.9% |
| Participation rate | 57.1% | 70.4%-13.3pp | 83.0%-25.9pp | 69.6%-12.4pp |
| Annual return | -8.07% | 30.32%-38.4pp | 735.18%-743.2pp | 7.63%-15.7pp |
| Employer contribution / active EE | $5,834 | $3,350+74.2% | $5,298+10.1% | $2,381+145.1% |
| Participant deferral / active EE | $10,996 | $3,175+246.4% | $5,081+116.4% | $3,470+216.9% |
| Admin fee / account holder | $5,695 | $5,589+1.9% | $13,411-57.5% | $4,887+16.5% |