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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 | $138,947 | $88,754+56.6% | $81,820+69.8% | $145,877-4.8% |
| Participation rate | 50.0% | 75.1%-25.1pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 7.87% | 1031.77%-1023.9pp | 777.93%-770.1pp | 551.28%-543.4pp |
| Employer contribution / active EE | $773 | $3,085-74.9% | $2,915-73.5% | $4,663-83.4% |
| Participant deferral / active EE | $893 | $4,648-80.8% | $4,323-79.4% | $6,691-86.7% |
| Admin fee / account holder | $47,583 | $8,424+464.9% | $7,391+543.8% | $13,402+255.0% |