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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 | $50,845 | $49,891+1.9% | $80,607-36.9% | $75,181-32.4% |
| Participation rate | 57.1% | 55.3%+1.8pp | 67.0%-9.9pp | 67.2%-10.1pp |
| Annual return | 10.38% | 34.67%-24.3pp | 936.11%-925.7pp | 160.69%-150.3pp |
| Employer contribution / active EE | $1,695 | $1,698-0.2% | $2,724-37.8% | $2,671-36.5% |
| Participant deferral / active EE | $2,945 | $2,991-1.6% | $4,448-33.8% | $4,126-28.6% |
| Admin fee / account holder | $38,965 | $3,578+989.2% | $5,379+624.4% | $5,650+589.7% |