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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 | $95,618 | $154,193-38.0% | $130,045-26.5% | $139,466-31.4% |
| Participation rate | 60.0% | 82.0%-22.0pp | 78.5%-18.5pp | 80.3%-20.3pp |
| Annual return | 7.69% | 32.51%-24.8pp | -137.30%+145.0pp | 373.66%-366.0pp |
| Employer contribution / active EE | $12,188 | $5,292+130.3% | $4,321+182.1% | $4,754+156.4% |
| Participant deferral / active EE | $13,554 | $6,709+102.0% | $5,820+132.9% | $6,712+101.9% |
| Admin fee / account holder | $327,861 | $13,989+2243.7% | $10,600+2992.9% | $11,409+2773.8% |