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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 | $74,552 | $44,746+66.6% | $88,179-15.5% | $64,097+16.3% |
| Participation rate | 48.2% | 39.8%+8.4pp | 69.1%-21.0pp | 55.2%-7.0pp |
| Annual return | 9.57% | 24.70%-15.1pp | 64.97%-55.4pp | 34.64%-25.1pp |
| Employer contribution / active EE | $377 | $1,078-65.0% | $2,549-85.2% | $1,891-80.1% |
| Participant deferral / active EE | $2,047 | $2,072-1.2% | $4,614-55.6% | $3,080-33.5% |
| Admin fee / account holder | $8,222 | $3,437+139.2% | $7,673+7.2% | $3,454+138.0% |