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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 | $29,667-41.5% | $56,441-69.2% | $80,874-78.5% |
| Participation rate | 68.3% | 41.7%+26.6pp | 52.5%+15.8pp | 67.6%+0.6pp |
| Annual return | 9.77% | 35.22%-25.5pp | 1704.21%-1694.4pp | 35.62%-25.8pp |
| Employer contribution / active EE | $436 | $669-34.8% | $1,039-58.0% | $2,756-84.2% |
| Participant deferral / active EE | $1,233 | $1,227+0.5% | $1,953-36.9% | $4,297-71.3% |
| Admin fee / account holder | $18,306 | $2,429+653.5% | $2,829+547.0% | $6,935+164.0% |