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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 | $64,706 | $27,936+131.6% | $58,561+10.5% | $75,173-13.9% |
| Participation rate | 50.0% | 38.8%+11.2pp | 50.9%-0.9pp | 67.2%-17.2pp |
| Annual return | 14.82% | 44.21%-29.4pp | 4251.33%-4236.5pp | 160.72%-145.9pp |
| Employer contribution / active EE | $1,193 | $670+78.2% | $1,053+13.3% | $2,671-55.3% |
| Participant deferral / active EE | $3,251 | $1,202+170.5% | $1,923+69.1% | $4,126-21.2% |
| Admin fee / account holder | $4,598 | $1,727+166.3% | $2,520+82.4% | $5,651-18.6% |