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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 | $74,260 | $49,199+50.9% | $121,204-38.7% | $75,173-1.2% |
| Participation rate | 67.5% | 55.4%+12.1pp | 69.5%-2.0pp | 67.2%+0.3pp |
| Annual return | 9.89% | 56.04%-46.2pp | 987.18%-977.3pp | 160.72%-150.8pp |
| Employer contribution / active EE | $2,287 | $1,547+47.8% | $4,170-45.1% | $2,671-14.4% |
| Participant deferral / active EE | $2,670 | $2,630+1.5% | $4,083-34.6% | $4,126-35.3% |
| Admin fee / account holder | $34,494 | $3,946+774.1% | $5,651+510.4% | $5,651+510.5% |