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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 | $17,358 | $29,733-41.6% | $56,025-69.0% | $80,959-78.6% |
| Participation rate | 68.3% | 41.7%+26.5pp | 52.5%+15.7pp | 67.7%+0.6pp |
| Annual return | 9.77% | 35.28%-25.5pp | 1712.69%-1702.9pp | 35.67%-25.9pp |
| Employer contribution / active EE | $436 | $672-35.0% | $1,042-58.1% | $2,757-84.2% |
| Participant deferral / active EE | $1,233 | $1,229+0.3% | $1,955-36.9% | $4,300-71.3% |
| Admin fee / account holder | $18,306 | $2,434+652.2% | $2,828+547.2% | $6,925+164.3% |