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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 | $48,324 | $36,948+30.8% | $73,658-34.4% | $87,485-44.8% |
| Participation rate | 52.6% | 46.8%+5.8pp | 57.0%-4.4pp | 68.9%-16.3pp |
| Annual return | 13.51% | 28.64%-15.1pp | 29.72%-16.2pp | 26.06%-12.6pp |
| Employer contribution / active EE | $3,317 | $670+395.1% | $1,032+221.3% | $2,596+27.8% |
| Participant deferral / active EE | $2,382 | $1,379+72.7% | $2,062+15.5% | $4,274-44.3% |
| Admin fee / account holder | $495 | $2,531-80.4% | $3,357-85.3% | $7,775-93.6% |