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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 | $26,130 | $65,434-60.1% | $98,483-73.5% | $85,847-69.6% |
| Participation rate | 38.9% | 65.0%-26.1pp | 73.3%-34.5pp | 69.3%-30.4pp |
| Annual return | 7.83% | 21.75%-13.9pp | 1494.38%-1486.5pp | 318.61%-310.8pp |
| Employer contribution / active EE | $526 | $2,169-75.8% | $2,961-82.2% | $2,565-79.5% |
| Participant deferral / active EE | $1,085 | $3,168-65.8% | $4,276-74.6% | $3,952-72.6% |
| Admin fee / account holder | $826 | $4,595-82.0% | $5,953-86.1% | $6,261-86.8% |