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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 | $91,009 | $63,346+43.7% | $92,240-1.3% | $70,126+29.8% |
| Participation rate | 58.6% | 68.7%-10.1pp | 76.5%-17.9pp | 69.5%-10.9pp |
| Annual return | 9.99% | 530.19%-520.2pp | 176.29%-166.3pp | 73.15%-63.2pp |
| Employer contribution / active EE | $676 | $2,471-72.7% | $3,680-81.6% | $2,343-71.1% |
| Participant deferral / active EE | $3,794 | $2,854+33.0% | $3,897-2.6% | $3,332+13.9% |
| Admin fee / account holder | $25,990 | $3,841+576.7% | $5,194+400.4% | $4,645+459.5% |