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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 | $52,507-50.5% | $129,406-79.9% | $74,478-65.1% |
| Participation rate | 53.5% | 53.9%-0.4pp | 69.6%-16.2pp | 67.2%-13.8pp |
| Annual return | 11.70% | 15.64%-3.9pp | 9468.18%-9456.5pp | 1370.56%-1358.9pp |
| Employer contribution / active EE | $919 | $1,534-40.1% | $4,155-77.9% | $2,626-65.0% |
| Participant deferral / active EE | $1,721 | $2,801-38.6% | $4,167-58.7% | $4,350-60.4% |
| Admin fee / account holder | $447 | $2,639-83.1% | $7,689-94.2% | $1,946-77.0% |