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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 | $29,736+73.2% | $56,033-8.1% | $80,935-36.4% |
| Participation rate | 46.5% | 41.7%+4.8pp | 52.5%-6.0pp | 67.7%-21.1pp |
| Annual return | 8.71% | 35.28%-26.6pp | 1711.38%-1702.7pp | 35.66%-26.9pp |
| Employer contribution / active EE | $850 | $671+26.6% | $1,041-18.4% | $2,757-69.2% |
| Participant deferral / active EE | $1,088 | $1,228-11.5% | $1,954-44.3% | $4,299-74.7% |
| Admin fee / account holder | $2,005 | $2,434-17.6% | $2,827-29.1% | $6,924-71.0% |