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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 | $55,863 | $111,830-50.0% | $93,696-40.4% | $145,884-61.7% |
| Participation rate | 66.7% | 74.2%-7.6pp | 68.7%-2.1pp | 80.3%-13.6pp |
| Annual return | 5.48% | 204.08%-198.6pp | 133.74%-128.3pp | 551.85%-546.4pp |
| Employer contribution / active EE | $21,169 | $3,093+584.4% | $2,422+774.1% | $4,662+354.0% |
| Participant deferral / active EE | $14,133 | $4,920+187.3% | $4,417+220.0% | $6,690+111.3% |
| Admin fee / account holder | $8,749 | $10,249-14.6% | $8,287+5.6% | $13,392-34.7% |