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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 | $55,406 | $29,319+89.0% | $52,425+5.7% | $82,448-32.8% |
| Participation rate | 39.0% | 46.9%-7.9pp | 55.6%-16.6pp | 68.1%-29.1pp |
| Annual return | 13.02% | 535.20%-522.2pp | 302.12%-289.1pp | 41.64%-28.6pp |
| Employer contribution / active EE | $1,423 | $586+142.7% | $914+55.7% | $2,551-44.2% |
| Participant deferral / active EE | $2,606 | $1,171+122.5% | $1,790+45.5% | $4,139-37.0% |
| Admin fee / account holder | $985 | $1,962-49.8% | $2,495-60.5% | $7,234-86.4% |