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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 | $29,716+19.9% | $56,077-36.4% | $80,925-56.0% |
| Participation rate | 12.1% | 41.7%-29.6pp | 52.5%-40.4pp | 67.7%-55.5pp |
| Annual return | 10.19% | 35.30%-25.1pp | 1709.28%-1699.1pp | 35.65%-25.5pp |
| Employer contribution / active EE | $155 | $671-76.9% | $1,040-85.1% | $2,756-94.4% |
| Participant deferral / active EE | $937 | $1,228-23.7% | $1,954-52.1% | $4,299-78.2% |
| Admin fee / account holder | $4,621 | $2,432+90.0% | $2,825+63.6% | $6,940-33.4% |