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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 | $18,742 | $148,629-87.4% | $135,982-86.2% | $139,487-86.6% |
| Participation rate | 50.0% | 83.9%-33.9pp | 81.9%-31.9pp | 80.3%-30.3pp |
| Annual return | 4.58% | 79.33%-74.7pp | 68.32%-63.7pp | 373.84%-369.3pp |
| Employer contribution / active EE | $2,155 | $5,247-58.9% | $4,859-55.6% | $4,755-54.7% |
| Participant deferral / active EE | $4,189 | $8,102-48.3% | $7,760-46.0% | $6,713-37.6% |
| Admin fee / account holder | $166,769 | $12,406+1244.2% | $10,767+1448.8% | $11,407+1361.9% |