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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 | $65,621 | $57,305+14.5% | $86,640-24.3% | $75,173-12.7% |
| Participation rate | 41.1% | 63.2%-22.1pp | 71.7%-30.6pp | 67.2%-26.1pp |
| Annual return | 12.21% | 2674.24%-2662.0pp | 592.52%-580.3pp | 160.72%-148.5pp |
| Employer contribution / active EE | $319 | $2,316-86.2% | $3,024-89.4% | $2,671-88.0% |
| Participant deferral / active EE | $1,387 | $3,320-58.2% | $4,438-68.8% | $4,126-66.4% |
| Admin fee / account holder | $12,888 | $4,116+213.1% | $5,616+129.5% | $5,651+128.1% |