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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 | $14,473 | $29,716-51.3% | $56,077-74.2% | $80,925-82.1% |
| Participation rate | 46.2% | 41.7%+4.5pp | 52.5%-6.3pp | 67.7%-21.5pp |
| Annual return | 7.94% | 35.30%-27.4pp | 1709.28%-1701.3pp | 35.65%-27.7pp |
| Employer contribution / active EE | $787 | $671+17.2% | $1,040-24.4% | $2,756-71.5% |
| Participant deferral / active EE | $1,785 | $1,228+45.3% | $1,954-8.6% | $4,299-58.5% |
| Admin fee / account holder | $2,765 | $2,432+13.7% | $2,825-2.1% | $6,940-60.2% |