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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 | $50,808 | $65,575-22.5% | $86,209-41.1% | $75,181-32.4% |
| Participation rate | 65.6% | 60.5%+5.1pp | 69.0%-3.4pp | 67.2%-1.6pp |
| Annual return | 11.22% | 46.07%-34.9pp | 1169.05%-1157.8pp | 160.69%-149.5pp |
| Employer contribution / active EE | $1,310 | $1,553-15.7% | $2,381-45.0% | $2,671-51.0% |
| Participant deferral / active EE | $1,949 | $3,023-35.6% | $3,986-51.1% | $4,126-52.8% |
| Admin fee / account holder | $2,129 | $5,470-61.1% | $6,853-68.9% | $5,650-62.3% |