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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 | $37,908 | $34,316+10.5% | $74,723-49.3% | $72,976-48.1% |
| Participation rate | 48.4% | 42.4%+6.0pp | 54.5%-6.1pp | 69.5%-21.1pp |
| Annual return | 5.00% | 26.58%-21.6pp | 753.18%-748.2pp | 81.02%-76.0pp |
| Employer contribution / active EE | $648 | $692-6.4% | $1,084-40.3% | $2,440-73.5% |
| Participant deferral / active EE | $1,366 | $1,272+7.4% | $1,962-30.4% | $3,608-62.1% |
| Admin fee / account holder | $1,662 | $2,125-21.8% | $3,335-50.2% | $5,124-67.6% |