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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 | $17,248 | $60,454-71.5% | $81,844-78.9% | $74,459-76.8% |
| Participation rate | 69.5% | 63.0%+6.5pp | 72.4%-2.9pp | 67.2%+2.3pp |
| Annual return | 11.46% | 16.87%-5.4pp | 778.87%-767.4pp | 1369.70%-1358.2pp |
| Employer contribution / active EE | $856 | $2,630-67.5% | $2,916-70.7% | $2,626-67.4% |
| Participant deferral / active EE | $1,586 | $3,398-53.3% | $4,323-63.3% | $4,350-63.5% |
| Admin fee / account holder | $13,032 | $1,490+774.4% | $7,355+77.2% | $1,945+570.1% |