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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 | $64,297 | $63,346+1.5% | $92,240-30.3% | $70,126-8.3% |
| Participation rate | 50.0% | 68.7%-18.7pp | 76.5%-26.5pp | 69.5%-19.5pp |
| Annual return | 9.66% | 530.19%-520.5pp | 176.29%-166.6pp | 73.15%-63.5pp |
| Employer contribution / active EE | $965 | $2,471-61.0% | $3,680-73.8% | $2,343-58.8% |
| Participant deferral / active EE | $2,888 | $2,854+1.2% | $3,897-25.9% | $3,332-13.3% |
| Admin fee / account holder | $1,436 | $3,841-62.6% | $5,194-72.4% | $4,645-69.1% |