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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 | $36,221 | $24,891+45.5% | $69,611-48.0% | $74,429-51.3% |
| Participation rate | 50.5% | 63.4%-12.9pp | 66.4%-15.9pp | 67.2%-16.7pp |
| Annual return | 10.97% | 18.53%-7.6pp | 101.14%-90.2pp | 1368.38%-1357.4pp |
| Employer contribution / active EE | $1,346 | $1,005+33.9% | $1,709-21.2% | $2,625-48.7% |
| Participant deferral / active EE | $2,529 | $1,908+32.5% | $2,891-12.5% | $4,348-41.8% |
| Admin fee / account holder | $1,882 | $1,904-1.2% | $4,696-59.9% | $1,944-3.2% |