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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 | $82,183 | $101,672-19.2% | $147,117-44.1% | $74,478+10.3% |
| Participation rate | 41.9% | 75.5%-33.6pp | 82.2%-40.3pp | 67.2%-25.3pp |
| Annual return | 11.63% | 8757.83%-8746.2pp | 420.54%-408.9pp | 1370.56%-1358.9pp |
| Employer contribution / active EE | $2,235 | $3,813-41.4% | $4,932-54.7% | $2,626-14.9% |
| Participant deferral / active EE | $3,879 | $7,305-46.9% | $8,065-51.9% | $4,350-10.8% |
| Admin fee / account holder | $53,502 | $1,753+2951.7% | $12,993+311.8% | $1,946+2649.6% |