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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 | $14,473 | $29,733-51.3% | $56,025-74.2% | $80,959-82.1% |
| Participation rate | 46.2% | 41.7%+4.4pp | 52.5%-6.4pp | 67.7%-21.5pp |
| Annual return | 7.94% | 35.28%-27.3pp | 1712.69%-1704.8pp | 35.67%-27.7pp |
| Employer contribution / active EE | $787 | $672+17.1% | $1,042-24.5% | $2,757-71.5% |
| Participant deferral / active EE | $1,785 | $1,229+45.2% | $1,955-8.7% | $4,300-58.5% |
| Admin fee / account holder | $2,765 | $2,434+13.6% | $2,828-2.2% | $6,925-60.1% |