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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 | $26,180 | $29,716-11.9% | $56,077-53.3% | $80,925-67.6% |
| Participation rate | 25.8% | 41.7%-15.9pp | 52.5%-26.7pp | 67.7%-41.9pp |
| Annual return | 9.98% | 35.30%-25.3pp | 1709.28%-1699.3pp | 35.65%-25.7pp |
| Employer contribution / active EE | $312 | $671-53.6% | $1,040-70.1% | $2,756-88.7% |
| Participant deferral / active EE | $1,512 | $1,228+23.0% | $1,954-22.6% | $4,299-64.8% |
| Admin fee / account holder | $3,622 | $2,432+48.9% | $2,825+28.2% | $6,940-47.8% |