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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 | $54,558-28.7% | $76,051-48.8% | $74,400-47.7% |
| Participation rate | 66.4% | 60.3%+6.1pp | 69.1%-2.7pp | 67.2%-0.8pp |
| Annual return | 10.01% | 31.83%-21.8pp | 360.42%-350.4pp | 1367.51%-1357.5pp |
| Employer contribution / active EE | $1,395 | $1,778-21.5% | $2,690-48.1% | $2,624-46.8% |
| Participant deferral / active EE | $2,502 | $3,065-18.4% | $4,257-41.2% | $4,348-42.5% |
| Admin fee / account holder | $10,308 | $2,232+361.9% | $6,416+60.7% | $1,944+430.4% |