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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 | $38,903 | $54,690-28.9% | $76,030-48.8% | $74,478-47.8% |
| Participation rate | 66.4% | 60.3%+6.0pp | 69.1%-2.7pp | 67.2%-0.8pp |
| Annual return | 10.01% | 31.92%-21.9pp | 361.54%-351.5pp | 1370.56%-1360.6pp |
| Employer contribution / active EE | $1,395 | $1,781-21.7% | $2,688-48.1% | $2,626-46.9% |
| Participant deferral / active EE | $2,502 | $3,070-18.5% | $4,257-41.2% | $4,350-42.5% |
| Admin fee / account holder | $10,308 | $2,240+360.2% | $6,421+60.6% | $1,946+429.8% |