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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 | $45,816 | $63,346-27.7% | $92,239-50.3% | $70,124-34.7% |
| Participation rate | 68.4% | 68.7%-0.2pp | 76.5%-8.1pp | 69.5%-1.1pp |
| Annual return | 12.03% | 530.19%-518.2pp | 176.29%-164.3pp | 73.14%-61.1pp |
| Employer contribution / active EE | $830 | $2,471-66.4% | $3,680-77.4% | $2,342-64.6% |
| Participant deferral / active EE | $2,663 | $2,854-6.7% | $3,897-31.7% | $3,332-20.1% |
| Admin fee / account holder | $13,977 | $3,841+263.9% | $5,194+169.1% | $4,645+200.9% |