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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 | $88,137-10.1% | $164,975-52.0% | $74,429+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 | 70.12%-60.6pp | 1368.38%-1358.8pp |
| Employer contribution / active EE | $1,260 | $2,597-51.5% | $4,343-71.0% | $2,625-52.0% |
| Participant deferral / active EE | $2,335 | $4,501-48.1% | $6,033-61.3% | $4,348-46.3% |
| Admin fee / account holder | $35,874 | $2,231+1507.6% | $12,688+182.7% | $1,944+1745.1% |