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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 | $77,361 | $45,126+71.4% | $85,187-9.2% | $74,459+3.9% |
| Participation rate | 45.8% | 49.4%-3.6pp | 67.5%-21.8pp | 67.2%-21.5pp |
| Annual return | 7.49% | 26.30%-18.8pp | 66.67%-59.2pp | 1369.70%-1362.2pp |
| Employer contribution / active EE | $345 | $1,460-76.4% | $2,732-87.4% | $2,626-86.9% |
| Participant deferral / active EE | $2,212 | $2,738-19.2% | $4,525-51.1% | $4,350-49.2% |
| Admin fee / account holder | $9,646 | $2,212+336.1% | $6,162+56.5% | $1,945+396.0% |