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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 | $79,972 | $80,812-1.0% | $160,784-50.3% | $82,448-3.0% |
| Participation rate | 27.3% | 66.2%-39.0pp | 77.0%-49.7pp | 68.1%-40.8pp |
| Annual return | 12.58% | 100.59%-88.0pp | 1803.92%-1791.3pp | 41.64%-29.1pp |
| Employer contribution / active EE | $598 | $2,174-72.5% | $3,733-84.0% | $2,551-76.5% |
| Participant deferral / active EE | $1,925 | $4,335-55.6% | $6,293-69.4% | $4,139-53.5% |
| Admin fee / account holder | $1,013 | $7,695-86.8% | $9,717-89.6% | $7,234-86.0% |