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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 | $29,319+66.1% | $52,425-7.1% | $82,448-41.0% |
| Participation rate | 23.5% | 46.9%-23.3pp | 55.6%-32.1pp | 68.1%-44.5pp |
| Annual return | 12.80% | 535.20%-522.4pp | 302.12%-289.3pp | 41.64%-28.8pp |
| Employer contribution / active EE | $1,046 | $586+78.4% | $914+14.4% | $2,551-59.0% |
| Participant deferral / active EE | $2,375 | $1,171+102.8% | $1,790+32.7% | $4,139-42.6% |
| Admin fee / account holder | $2,772 | $1,962+41.3% | $2,495+11.1% | $7,234-61.7% |