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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 | $61,532 | $30,437+102.2% | $56,033+9.8% | $74,459-17.4% |
| Participation rate | 33.1% | 32.9%+0.3pp | 52.5%-19.4pp | 67.2%-34.1pp |
| Annual return | 8.60% | 24.96%-16.4pp | 1711.38%-1702.8pp | 1369.70%-1361.1pp |
| Employer contribution / active EE | $122 | $610-80.0% | $1,041-88.3% | $2,626-95.4% |
| Participant deferral / active EE | $902 | $1,176-23.3% | $1,954-53.9% | $4,350-79.3% |
| Admin fee / account holder | $7,496 | $2,363+217.2% | $2,827+165.2% | $1,945+285.4% |