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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 | $49,137 | $22,602+117.4% | $65,566-25.1% | $75,173-34.6% |
| Participation rate | 28.3% | 63.1%-34.8pp | 64.9%-36.7pp | 67.2%-38.9pp |
| Annual return | 12.92% | 71.13%-58.2pp | 47.40%-34.5pp | 160.72%-147.8pp |
| Employer contribution / active EE | $653 | $941-30.6% | $1,692-61.4% | $2,671-75.6% |
| Participant deferral / active EE | $1,959 | $1,695+15.6% | $2,832-30.8% | $4,126-52.5% |
| Admin fee / account holder | $1,809 | $1,877-3.6% | $4,114-56.0% | $5,651-68.0% |