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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 | $29,319+64.8% | $52,425-7.8% | $82,448-41.4% |
| Participation rate | 52.6% | 46.9%+5.8pp | 55.6%-3.0pp | 68.1%-15.4pp |
| Annual return | 13.51% | 535.20%-521.7pp | 302.12%-288.6pp | 41.64%-28.1pp |
| Employer contribution / active EE | $3,317 | $586+465.6% | $914+262.8% | $2,551+30.0% |
| Participant deferral / active EE | $2,382 | $1,171+103.3% | $1,790+33.0% | $4,139-42.5% |
| Admin fee / account holder | $495 | $1,962-74.8% | $2,495-80.2% | $7,234-93.2% |