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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 | $52,063 | $29,319+77.6% | $52,425-0.7% | $82,448-36.9% |
| Participation rate | 66.7% | 46.9%+19.8pp | 55.6%+11.0pp | 68.1%-1.4pp |
| Annual return | 14.28% | 535.20%-520.9pp | 302.12%-287.8pp | 41.64%-27.4pp |
| Employer contribution / active EE | $455 | $586-22.3% | $914-50.2% | $2,551-82.1% |
| Participant deferral / active EE | $3,456 | $1,171+195.0% | $1,790+93.0% | $4,139-16.5% |
| Admin fee / account holder | $6,612 | $1,962+237.0% | $2,495+165.0% | $7,234-8.6% |