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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 | $41,883 | $37,446+11.8% | $77,552-46.0% | $79,856-47.6% |
| Participation rate | 53.3% | 41.5%+11.8pp | 54.2%-0.9pp | 69.6%-16.3pp |
| Annual return | 3.64% | 39.76%-36.1pp | 54.82%-51.2pp | 31.71%-28.1pp |
| Employer contribution / active EE | $602 | $637-5.6% | $987-39.0% | $2,471-75.7% |
| Participant deferral / active EE | $1,315 | $1,261+4.3% | $1,861-29.3% | $3,741-64.8% |
| Admin fee / account holder | $819 | $2,506-67.3% | $2,859-71.4% | $5,306-84.6% |