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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 | $79,230 | $88,203-10.2% | $165,100-52.0% | $74,478+6.4% |
| Participation rate | 42.0% | 73.1%-31.2pp | 78.6%-36.7pp | 67.2%-25.3pp |
| Annual return | 9.54% | 17.13%-7.6pp | 70.21%-60.7pp | 1370.56%-1361.0pp |
| Employer contribution / active EE | $1,260 | $2,601-51.5% | $4,348-71.0% | $2,626-52.0% |
| Participant deferral / active EE | $2,335 | $4,505-48.2% | $6,035-61.3% | $4,350-46.3% |
| Admin fee / account holder | $35,874 | $2,235+1505.1% | $12,696+182.6% | $1,946+1743.7% |