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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 | $9,438 | $96,691-90.2% | $86,656-89.1% | $139,487-93.2% |
| Participation rate | 62.5% | 74.4%-11.9pp | 71.7%-9.2pp | 80.3%-17.8pp |
| Annual return | 10.62% | 106.87%-96.2pp | 593.09%-582.5pp | 373.84%-363.2pp |
| Employer contribution / active EE | $1,678 | $3,267-48.6% | $3,025-44.5% | $4,755-64.7% |
| Participant deferral / active EE | $2,600 | $4,838-46.3% | $4,439-41.4% | $6,713-61.3% |
| Admin fee / account holder | $4,156 | $6,414-35.2% | $5,619-26.0% | $11,407-63.6% |