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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 | $11,098 | $27,943-60.3% | $58,507-81.0% | $75,177-85.2% |
| Participation rate | 31.3% | 38.8%-7.6pp | 50.9%-19.6pp | 67.2%-36.0pp |
| Annual return | 8.40% | 44.22%-35.8pp | 4252.32%-4243.9pp | 160.75%-152.3pp |
| Employer contribution / active EE | $301 | $670-55.1% | $1,053-71.4% | $2,671-88.7% |
| Participant deferral / active EE | $2,024 | $1,202+68.4% | $1,922+5.3% | $4,126-51.0% |
| Admin fee / account holder | $3,770 | $1,727+118.3% | $2,486+51.7% | $5,651-33.3% |