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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 | $51,089 | $27,936+82.9% | $58,561-12.8% | $75,173-32.0% |
| Participation rate | 65.2% | 38.8%+26.4pp | 50.9%+14.3pp | 67.2%-2.0pp |
| Annual return | 10.62% | 44.21%-33.6pp | 4251.33%-4240.7pp | 160.72%-150.1pp |
| Employer contribution / active EE | $1,264 | $670+88.8% | $1,053+20.0% | $2,671-52.7% |
| Participant deferral / active EE | $2,469 | $1,202+105.4% | $1,923+28.4% | $4,126-40.2% |
| Admin fee / account holder | $870 | $1,727-49.6% | $2,520-65.5% | $5,651-84.6% |