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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 | $30,815 | $29,733+3.6% | $56,025-45.0% | $80,959-61.9% |
| Participation rate | 45.5% | 41.7%+3.7pp | 52.5%-7.1pp | 67.7%-22.2pp |
| Annual return | 8.89% | 35.28%-26.4pp | 1712.69%-1703.8pp | 35.67%-26.8pp |
| Employer contribution / active EE | $954 | $672+42.1% | $1,042-8.4% | $2,757-65.4% |
| Participant deferral / active EE | $697 | $1,229-43.3% | $1,955-64.3% | $4,300-83.8% |
| Admin fee / account holder | $2,490 | $2,434+2.3% | $2,828-11.9% | $6,925-64.0% |