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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 | $15,295 | $88,778-82.8% | $81,844-81.3% | $145,884-89.5% |
| Participation rate | 53.8% | 75.1%-21.2pp | 72.4%-18.5pp | 80.3%-26.5pp |
| Annual return | 9.44% | 1033.03%-1023.6pp | 778.87%-769.4pp | 551.85%-542.4pp |
| Employer contribution / active EE | $1,578 | $3,087-48.9% | $2,916-45.9% | $4,662-66.1% |
| Participant deferral / active EE | $2,704 | $4,648-41.8% | $4,323-37.5% | $6,690-59.6% |
| Admin fee / account holder | $9,143 | $8,430+8.5% | $7,355+24.3% | $13,392-31.7% |