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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 | $60,393-71.4% | $81,820-78.9% | $74,429-76.8% |
| Participation rate | 69.5% | 62.9%+6.6pp | 72.4%-2.9pp | 67.2%+2.3pp |
| Annual return | 11.46% | 16.89%-5.4pp | 777.93%-766.5pp | 1368.38%-1356.9pp |
| Employer contribution / active EE | $856 | $2,626-67.4% | $2,915-70.6% | $2,625-67.4% |
| Participant deferral / active EE | $1,586 | $3,397-53.3% | $4,323-63.3% | $4,348-63.5% |
| Admin fee / account holder | $13,032 | $1,491+774.2% | $7,391+76.3% | $1,944+570.3% |