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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 | $100,392 | $111,785-10.2% | $93,669+7.2% | $145,877-31.2% |
| Participation rate | 57.1% | 74.2%-17.1pp | 68.7%-11.6pp | 80.3%-23.2pp |
| Annual return | 1.92% | 203.79%-201.9pp | 133.59%-131.7pp | 551.28%-549.4pp |
| Employer contribution / active EE | $1,177 | $3,096-62.0% | $2,424-51.4% | $4,663-74.8% |
| Participant deferral / active EE | $1,417 | $4,919-71.2% | $4,416-67.9% | $6,691-78.8% |
| Admin fee / account holder | $338,306 | $10,256+3198.7% | $8,291+3980.3% | $13,402+2424.3% |