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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 | $51,504 | $29,670+73.6% | $56,054-8.1% | $80,911-36.3% |
| Participation rate | 46.5% | 41.7%+4.8pp | 52.5%-6.0pp | 67.6%-21.1pp |
| Annual return | 8.71% | 35.24%-26.5pp | 1705.95%-1697.2pp | 35.63%-26.9pp |
| Employer contribution / active EE | $850 | $670+26.9% | $1,039-18.2% | $2,756-69.2% |
| Participant deferral / active EE | $1,088 | $1,227-11.4% | $1,952-44.3% | $4,297-74.7% |
| Admin fee / account holder | $2,005 | $2,431-17.5% | $2,822-29.0% | $6,935-71.1% |