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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 | $29,736+52.2% | $56,033-19.2% | $80,935-44.1% |
| Participation rate | 42.9% | 41.7%+1.2pp | 52.5%-9.6pp | 67.7%-24.8pp |
| Annual return | 10.57% | 35.28%-24.7pp | 1711.38%-1700.8pp | 35.66%-25.1pp |
| Employer contribution / active EE | $823 | $671+22.5% | $1,041-21.0% | $2,757-70.2% |
| Participant deferral / active EE | $3,071 | $1,228+150.0% | $1,954+57.2% | $4,299-28.6% |
| Admin fee / account holder | $1,076 | $2,434-55.8% | $2,827-61.9% | $6,924-84.5% |