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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 | $64,138 | $58,726+9.2% | $142,898-55.1% | $85,847-25.3% |
| Participation rate | 58.5% | 58.5%+0.1pp | 72.0%-13.4pp | 69.3%-10.8pp |
| Annual return | 9.22% | 27.73%-18.5pp | 5639.64%-5630.4pp | 318.61%-309.4pp |
| Employer contribution / active EE | $819 | $1,424-42.5% | $4,146-80.2% | $2,565-68.1% |
| Participant deferral / active EE | $2,313 | $2,609-11.3% | $3,838-39.8% | $3,952-41.5% |
| Admin fee / account holder | $18,227 | $4,234+330.5% | $6,560+177.8% | $6,261+191.1% |