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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 | $81,249 | $56,431+44.0% | $130,788-37.9% | $87,485-7.1% |
| Participation rate | 38.7% | 58.9%-20.2pp | 70.1%-31.4pp | 68.9%-30.2pp |
| Annual return | 11.63% | 91.27%-79.6pp | 386.44%-374.8pp | 26.06%-14.4pp |
| Employer contribution / active EE | $544 | $1,549-64.9% | $3,558-84.7% | $2,596-79.0% |
| Participant deferral / active EE | $1,411 | $2,749-48.7% | $4,137-65.9% | $4,274-67.0% |
| Admin fee / account holder | $19,908 | $4,433+349.1% | $6,673+198.3% | $7,775+156.1% |