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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 | $20,430 | $27,924-26.8% | $58,544-65.1% | $75,181-72.8% |
| Participation rate | 47.7% | 38.8%+8.9pp | 50.9%-3.1pp | 67.2%-19.5pp |
| Annual return | 11.89% | 44.20%-32.3pp | 4249.56%-4237.7pp | 160.69%-148.8pp |
| Employer contribution / active EE | $573 | $669-14.4% | $1,053-45.6% | $2,671-78.5% |
| Participant deferral / active EE | $1,278 | $1,202+6.4% | $1,923-33.5% | $4,126-69.0% |
| Admin fee / account holder | $4,531 | $1,726+162.5% | $2,520+79.8% | $5,650-19.8% |