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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 | $82,472 | $65,423+26.1% | $98,477-16.3% | $85,856-3.9% |
| Participation rate | 61.1% | 65.0%-3.9pp | 73.3%-12.2pp | 69.3%-8.2pp |
| Annual return | 10.85% | 21.76%-10.9pp | 1493.59%-1482.7pp | 318.58%-307.7pp |
| Employer contribution / active EE | $206 | $2,168-90.5% | $2,961-93.1% | $2,565-92.0% |
| Participant deferral / active EE | $2,772 | $3,167-12.5% | $4,276-35.2% | $3,952-29.9% |
| Admin fee / account holder | $12,337 | $4,594+168.6% | $5,951+107.3% | $6,261+97.1% |