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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 | $45,269 | $29,733+52.2% | $56,025-19.2% | $80,959-44.1% |
| Participation rate | 42.9% | 41.7%+1.1pp | 52.5%-9.7pp | 67.7%-24.8pp |
| Annual return | 10.57% | 35.28%-24.7pp | 1712.69%-1702.1pp | 35.67%-25.1pp |
| Employer contribution / active EE | $823 | $672+22.5% | $1,042-21.0% | $2,757-70.2% |
| Participant deferral / active EE | $3,071 | $1,229+149.8% | $1,955+57.1% | $4,300-28.6% |
| Admin fee / account holder | $1,076 | $2,434-55.8% | $2,828-61.9% | $6,925-84.5% |