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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 | $11,131 | $57,330-80.6% | $86,656-87.2% | $75,177-85.2% |
| Participation rate | 64.5% | 63.2%+1.3pp | 71.7%-7.2pp | 67.2%-2.7pp |
| Annual return | 13.05% | 2675.40%-2662.3pp | 593.09%-580.0pp | 160.75%-147.7pp |
| Employer contribution / active EE | $761 | $2,316-67.1% | $3,025-74.8% | $2,671-71.5% |
| Participant deferral / active EE | $1,449 | $3,320-56.3% | $4,439-67.3% | $4,126-64.9% |
| Admin fee / account holder | $2,981 | $4,115-27.5% | $5,619-46.9% | $5,651-47.2% |