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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 | $79,634 | $72,071+10.5% | $68,368+16.5% | $137,256-42.0% |
| Participation rate | 50.0% | 76.2%-26.2pp | 73.8%-23.8pp | 80.0%-30.0pp |
| Annual return | 9.83% | 353.14%-343.3pp | 292.57%-282.7pp | 220.34%-210.5pp |
| Employer contribution / active EE | $1,242 | $2,788-55.5% | $2,649-53.1% | $4,156-70.1% |
| Participant deferral / active EE | $7,367 | $4,410+67.0% | $4,123+78.7% | $6,407+15.0% |
| Admin fee / account holder | $47,096 | $5,336+782.7% | $5,150+814.5% | $12,270+283.8% |