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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 | $22,681 | $29,716-23.7% | $56,077-59.6% | $80,925-72.0% |
| Participation rate | 62.1% | 41.7%+20.4pp | 52.5%+9.6pp | 67.7%-5.6pp |
| Annual return | 9.73% | 35.30%-25.6pp | 1709.28%-1699.5pp | 35.65%-25.9pp |
| Employer contribution / active EE | $763 | $671+13.7% | $1,040-26.7% | $2,756-72.3% |
| Participant deferral / active EE | $2,088 | $1,228+70.0% | $1,954+6.9% | $4,299-51.4% |
| Admin fee / account holder | $3,901 | $2,432+60.4% | $2,825+38.1% | $6,940-43.8% |