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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 | $25,984 | $52,450-50.5% | $129,295-79.9% | $74,546-65.1% |
| Participation rate | 53.5% | 53.8%-0.4pp | 69.6%-16.2pp | 67.2%-13.7pp |
| Annual return | 11.70% | 15.65%-3.9pp | 9429.28%-9417.6pp | 1366.03%-1354.3pp |
| Employer contribution / active EE | $919 | $1,532-40.0% | $4,157-77.9% | $2,624-65.0% |
| Participant deferral / active EE | $1,721 | $2,797-38.5% | $4,169-58.7% | $4,347-60.4% |
| Admin fee / account holder | $447 | $2,636-83.0% | $7,665-94.2% | $1,944-77.0% |