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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 | $100,073-32.2% | $85,126-20.3% | $145,877-53.5% |
| Participation rate | 33.3% | 74.1%-40.8pp | 67.5%-34.2pp | 80.3%-47.0pp |
| Annual return | 7.86% | 84.11%-76.3pp | 66.63%-58.8pp | 551.28%-543.4pp |
| Employer contribution / active EE | $14,068 | $3,236+334.7% | $2,731+415.1% | $4,663+201.7% |
| Participant deferral / active EE | $2,419 | $5,294-54.3% | $4,523-46.5% | $6,691-63.8% |
| Admin fee / account holder | $48,400 | $7,261+566.6% | $6,160+685.7% | $13,402+261.1% |