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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 | $41,666 | $28,624+45.6% | $53,647-22.3% | $82,637-49.6% |
| Participation rate | 22.5% | 47.3%-24.8pp | 56.3%-33.8pp | 68.1%-45.6pp |
| Annual return | 14.47% | 664.98%-650.5pp | 358.33%-343.9pp | 53.51%-39.0pp |
| Employer contribution / active EE | $1,008 | $637+58.4% | $962+4.8% | $2,552-60.5% |
| Participant deferral / active EE | $2,234 | $1,196+86.7% | $1,813+23.2% | $4,126-45.9% |
| Admin fee / account holder | $16,646 | $2,022+723.4% | $2,460+576.7% | $7,339+126.8% |