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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 | $30,209 | $65,423-53.8% | $98,477-69.3% | $85,856-64.8% |
| Participation rate | 34.5% | 65.0%-30.5pp | 73.3%-38.9pp | 69.3%-34.8pp |
| Annual return | 9.15% | 21.76%-12.6pp | 1493.59%-1484.4pp | 318.58%-309.4pp |
| Employer contribution / active EE | $450 | $2,168-79.2% | $2,961-84.8% | $2,565-82.4% |
| Participant deferral / active EE | $1,093 | $3,167-65.5% | $4,276-74.4% | $3,952-72.3% |
| Admin fee / account holder | $1,315 | $4,594-71.4% | $5,951-77.9% | $6,261-79.0% |