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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 | $29,667+52.6% | $56,441-19.8% | $80,874-44.0% |
| Participation rate | 42.9% | 41.7%+1.2pp | 52.5%-9.6pp | 67.6%-24.8pp |
| Annual return | 10.57% | 35.22%-24.6pp | 1704.21%-1693.6pp | 35.62%-25.0pp |
| Employer contribution / active EE | $823 | $669+22.9% | $1,039-20.8% | $2,756-70.1% |
| Participant deferral / active EE | $3,071 | $1,227+150.4% | $1,953+57.2% | $4,297-28.5% |
| Admin fee / account holder | $1,076 | $2,429-55.7% | $2,829-62.0% | $6,935-84.5% |