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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 | $86,671 | $102,382-15.3% | $147,005-41.0% | $80,874+7.2% |
| Participation rate | 59.4% | 75.8%-16.5pp | 82.2%-22.8pp | 67.6%-8.3pp |
| Annual return | 8.63% | 134.89%-126.3pp | 418.76%-410.1pp | 35.62%-27.0pp |
| Employer contribution / active EE | $1,641 | $3,715-55.8% | $4,934-66.7% | $2,756-40.4% |
| Participant deferral / active EE | $3,227 | $6,646-51.5% | $8,070-60.0% | $4,297-24.9% |
| Admin fee / account holder | $11,498 | $7,942+44.8% | $13,006-11.6% | $6,935+65.8% |