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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 | $40,703 | $28,624+42.2% | $53,647-24.1% | $82,637-50.7% |
| Participation rate | 28.6% | 47.3%-18.7pp | 56.3%-27.7pp | 68.1%-39.5pp |
| Annual return | 12.74% | 664.98%-652.2pp | 358.33%-345.6pp | 53.51%-40.8pp |
| Employer contribution / active EE | $326 | $637-48.8% | $962-66.1% | $2,552-87.2% |
| Participant deferral / active EE | $423 | $1,196-64.6% | $1,813-76.6% | $4,126-89.7% |
| Admin fee / account holder | $2,816 | $2,022+39.3% | $2,460+14.5% | $7,339-61.6% |