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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 | $66,365 | $39,028+70.0% | $80,741-17.8% | $85,847-22.7% |
| Participation rate | 51.9% | 41.6%+10.3pp | 54.2%-2.3pp | 69.3%-17.5pp |
| Annual return | 10.91% | 26.31%-15.4pp | 87.30%-76.4pp | 318.61%-307.7pp |
| Employer contribution / active EE | $0 | $722-100.0% | $1,160-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,995 | $1,326+50.4% | $2,145-7.0% | $3,952-49.5% |
| Admin fee / account holder | $5,803 | $2,429+138.9% | $3,380+71.7% | $6,261-7.3% |