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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 | $67,871 | $100,139-32.2% | $85,187-20.3% | $145,884-53.5% |
| Participation rate | 33.3% | 74.1%-40.8pp | 67.5%-34.2pp | 80.3%-47.0pp |
| Annual return | 7.86% | 84.15%-76.3pp | 66.67%-58.8pp | 551.85%-544.0pp |
| Employer contribution / active EE | $14,068 | $3,238+334.5% | $2,732+414.9% | $4,662+201.7% |
| Participant deferral / active EE | $2,419 | $5,296-54.3% | $4,525-46.5% | $6,690-63.8% |
| Admin fee / account holder | $48,400 | $7,262+566.5% | $6,162+685.5% | $13,392+261.4% |