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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 | $66,338 | $65,566+1.2% | $86,235-23.1% | $75,177-11.8% |
| Participation rate | 34.7% | 60.5%-25.8pp | 69.0%-34.3pp | 67.2%-32.5pp |
| Annual return | 11.78% | 46.07%-34.3pp | 1170.03%-1158.3pp | 160.75%-149.0pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,381-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,747 | $3,023-9.1% | $3,987-31.1% | $4,126-33.4% |
| Admin fee / account holder | $2,045 | $5,470-62.6% | $6,856-70.2% | $5,651-63.8% |