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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 | $25,388 | $169,336-85.0% | $129,384-80.4% | $145,884-82.6% |
| Participation rate | 50.0% | 76.5%-26.5pp | 69.6%-19.6pp | 80.3%-30.3pp |
| Annual return | 2.89% | 14408.70%-14405.8pp | 9461.77%-9458.9pp | 551.85%-549.0pp |
| Employer contribution / active EE | $900 | $5,540-83.8% | $4,153-78.3% | $4,662-80.7% |
| Participant deferral / active EE | $2,700 | $4,985-45.8% | $4,166-35.2% | $6,690-59.6% |
| Admin fee / account holder | $2,225 | $9,912-77.6% | $7,686-71.1% | $13,392-83.4% |