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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 | $21,150 | $29,319-27.9% | $52,425-59.7% | $82,448-74.3% |
| Participation rate | 45.7% | 46.9%-1.1pp | 55.6%-9.9pp | 68.1%-22.4pp |
| Annual return | 10.45% | 535.20%-524.8pp | 302.12%-291.7pp | 41.64%-31.2pp |
| Employer contribution / active EE | $1,051 | $586+79.2% | $914+15.0% | $2,551-58.8% |
| Participant deferral / active EE | $1,739 | $1,171+48.5% | $1,790-2.8% | $4,139-58.0% |
| Admin fee / account holder | $5,030 | $1,962+156.4% | $2,495+101.6% | $7,234-30.5% |