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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 | $71,420 | $62,166+14.9% | $81,353-12.2% | $74,459-4.1% |
| Participation rate | 30.4% | 64.1%-33.6pp | 69.5%-39.1pp | 67.2%-36.8pp |
| Annual return | 10.93% | 16.50%-5.6pp | 24.82%-13.9pp | 1369.70%-1358.8pp |
| Employer contribution / active EE | $920 | $1,881-51.1% | $2,464-62.7% | $2,626-65.0% |
| Participant deferral / active EE | $2,130 | $3,223-33.9% | $3,885-45.2% | $4,350-51.0% |
| Admin fee / account holder | $18,960 | $1,925+885.1% | $5,766+228.8% | $1,945+874.9% |