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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 | $35,638 | $29,733+19.9% | $56,025-36.4% | $80,959-56.0% |
| Participation rate | 12.1% | 41.7%-29.6pp | 52.5%-40.4pp | 67.7%-55.5pp |
| Annual return | 10.19% | 35.28%-25.1pp | 1712.69%-1702.5pp | 35.67%-25.5pp |
| Employer contribution / active EE | $155 | $672-77.0% | $1,042-85.1% | $2,757-94.4% |
| Participant deferral / active EE | $937 | $1,229-23.8% | $1,955-52.1% | $4,300-78.2% |
| Admin fee / account holder | $4,621 | $2,434+89.9% | $2,828+63.4% | $6,925-33.3% |