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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 | $20,215 | $65,434-69.1% | $98,483-79.5% | $85,847-76.5% |
| Participation rate | 13.9% | 65.0%-51.1pp | 73.3%-59.5pp | 69.3%-55.4pp |
| Annual return | 8.62% | 21.75%-13.1pp | 1494.38%-1485.8pp | 318.61%-310.0pp |
| Employer contribution / active EE | $410 | $2,169-81.1% | $2,961-86.2% | $2,565-84.0% |
| Participant deferral / active EE | $3,763 | $3,168+18.8% | $4,276-12.0% | $3,952-4.8% |
| Admin fee / account holder | $9,381 | $4,595+104.2% | $5,953+57.6% | $6,261+49.8% |