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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 | $29,319+4.1% | $52,425-41.8% | $82,448-63.0% |
| Participation rate | 54.1% | 46.9%+7.2pp | 55.6%-1.6pp | 68.1%-14.0pp |
| Annual return | 14.39% | 535.20%-520.8pp | 302.12%-287.7pp | 41.64%-27.3pp |
| Employer contribution / active EE | $975 | $586+66.3% | $914+6.7% | $2,551-61.8% |
| Participant deferral / active EE | $2,607 | $1,171+122.5% | $1,790+45.6% | $4,139-37.0% |
| Admin fee / account holder | $1,158 | $1,962-41.0% | $2,495-53.6% | $7,234-84.0% |