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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 | $70,366+13.2% | $66,674+19.4% | $138,895-42.7% |
| Participation rate | 50.0% | 76.2%-26.2pp | 73.7%-23.7pp | 79.9%-29.9pp |
| Annual return | 9.83% | 386.41%-376.6pp | 321.24%-311.4pp | 145.39%-135.6pp |
| Employer contribution / active EE | $1,242 | $2,765-55.1% | $2,620-52.6% | $4,194-70.4% |
| Participant deferral / active EE | $7,367 | $4,374+68.4% | $4,084+80.4% | $6,396+15.2% |
| Admin fee / account holder | $47,096 | $5,262+794.9% | $5,098+823.8% | $12,562+274.9% |