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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 | $27,120 | $65,440-58.6% | $98,506-72.5% | $85,851-68.4% |
| Participation rate | 67.2% | 65.0%+2.1pp | 73.3%-6.2pp | 69.3%-2.2pp |
| Annual return | 8.59% | 21.75%-13.2pp | 1494.92%-1486.3pp | 318.63%-310.0pp |
| Employer contribution / active EE | $963 | $2,169-55.6% | $2,961-67.5% | $2,565-62.5% |
| Participant deferral / active EE | $1,312 | $3,168-58.6% | $4,277-69.3% | $3,952-66.8% |
| Admin fee / account holder | $2,012 | $4,596-56.2% | $5,955-66.2% | $6,261-67.9% |