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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 | $10,963 | $70,366-84.4% | $66,674-83.6% | $138,895-92.1% |
| Participation rate | 50.0% | 76.2%-26.2pp | 73.7%-23.7pp | 79.9%-29.9pp |
| Annual return | 11.80% | 386.41%-374.6pp | 321.24%-309.4pp | 145.39%-133.6pp |
| Employer contribution / active EE | $1,882 | $2,765-31.9% | $2,620-28.2% | $4,194-55.1% |
| Participant deferral / active EE | $2,848 | $4,374-34.9% | $4,084-30.3% | $6,396-55.5% |
| Admin fee / account holder | $82,893 | $5,262+1475.2% | $5,098+1526.0% | $12,562+559.9% |