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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 | $57,543 | $30,421+89.2% | $56,077+2.6% | $74,429-22.7% |
| Participation rate | 32.3% | 32.9%-0.6pp | 52.5%-20.2pp | 67.2%-34.9pp |
| Annual return | 9.89% | 24.94%-15.0pp | 1709.28%-1699.4pp | 1368.38%-1358.5pp |
| Employer contribution / active EE | $385 | $610-36.8% | $1,040-63.0% | $2,625-85.3% |
| Participant deferral / active EE | $979 | $1,175-16.7% | $1,954-49.9% | $4,348-77.5% |
| Admin fee / account holder | $7,273 | $2,363+207.7% | $2,825+157.5% | $1,944+274.1% |