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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 | $40,703 | $29,319+38.8% | $52,425-22.4% | $82,448-50.6% |
| Participation rate | 28.6% | 46.9%-18.3pp | 55.6%-27.1pp | 68.1%-39.5pp |
| Annual return | 12.74% | 535.20%-522.5pp | 302.12%-289.4pp | 41.64%-28.9pp |
| Employer contribution / active EE | $326 | $586-44.5% | $914-64.4% | $2,551-87.2% |
| Participant deferral / active EE | $423 | $1,171-63.9% | $1,790-76.4% | $4,139-89.8% |
| Admin fee / account holder | $2,816 | $1,962+43.5% | $2,495+12.9% | $7,234-61.1% |