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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 | $37,731 | $29,670+27.2% | $56,054-32.7% | $80,911-53.4% |
| Participation rate | 14.9% | 41.7%-26.8pp | 52.5%-37.6pp | 67.6%-52.8pp |
| Annual return | 8.31% | 35.24%-26.9pp | 1705.95%-1697.6pp | 35.63%-27.3pp |
| Employer contribution / active EE | $489 | $670-27.0% | $1,039-53.0% | $2,756-82.3% |
| Participant deferral / active EE | $962 | $1,227-21.6% | $1,952-50.7% | $4,297-77.6% |
| Admin fee / account holder | $632 | $2,431-74.0% | $2,822-77.6% | $6,935-90.9% |