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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 | $48,685 | $28,624+70.1% | $53,647-9.2% | $82,637-41.1% |
| Participation rate | 23.5% | 47.3%-23.7pp | 56.3%-32.8pp | 68.1%-44.5pp |
| Annual return | 12.80% | 664.98%-652.2pp | 358.33%-345.5pp | 53.51%-40.7pp |
| Employer contribution / active EE | $1,046 | $637+64.3% | $962+8.8% | $2,552-59.0% |
| Participant deferral / active EE | $2,375 | $1,196+98.6% | $1,813+31.0% | $4,126-42.4% |
| Admin fee / account holder | $2,772 | $2,022+37.1% | $2,460+12.7% | $7,339-62.2% |