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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 | $30,520 | $28,624+6.6% | $53,647-43.1% | $82,637-63.1% |
| Participation rate | 54.1% | 47.3%+6.8pp | 56.3%-2.2pp | 68.1%-14.0pp |
| Annual return | 14.39% | 664.98%-650.6pp | 358.33%-343.9pp | 53.51%-39.1pp |
| Employer contribution / active EE | $975 | $637+53.2% | $962+1.4% | $2,552-61.8% |
| Participant deferral / active EE | $2,607 | $1,196+117.9% | $1,813+43.8% | $4,126-36.8% |
| Admin fee / account holder | $1,158 | $2,022-42.7% | $2,460-52.9% | $7,339-84.2% |