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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 | $24,821 | $55,446-55.2% | $155,574-84.0% | $74,429-66.7% |
| Participation rate | 25.7% | 61.9%-36.2pp | 78.2%-52.5pp | 67.2%-41.5pp |
| Annual return | 8.13% | 269.20%-261.1pp | 64.87%-56.7pp | 1368.38%-1360.3pp |
| Employer contribution / active EE | $691 | $2,266-69.5% | $4,676-85.2% | $2,625-73.7% |
| Participant deferral / active EE | $855 | $2,836-69.9% | $5,629-84.8% | $4,348-80.3% |
| Admin fee / account holder | $1,949 | $1,743+11.8% | $15,914-87.8% | $1,944+0.3% |