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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 | $43,420 | $65,555-33.8% | $86,216-49.6% | $75,173-42.2% |
| Participation rate | 63.0% | 60.5%+2.5pp | 69.0%-6.0pp | 67.2%-4.2pp |
| Annual return | 4.56% | 46.07%-41.5pp | 1169.42%-1164.9pp | 160.72%-156.2pp |
| Employer contribution / active EE | $1,988 | $1,553+28.0% | $2,382-16.5% | $2,671-25.6% |
| Participant deferral / active EE | $4,489 | $3,023+48.5% | $3,986+12.6% | $4,126+8.8% |
| Admin fee / account holder | $3,159 | $5,469-42.2% | $6,853-53.9% | $5,651-44.1% |