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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 | $23,568 | $48,570-51.5% | $130,660-82.0% | $72,976-67.7% |
| Participation rate | 31.9% | 58.6%-26.7pp | 71.7%-39.9pp | 69.5%-37.6pp |
| Annual return | 5.58% | 38.63%-33.0pp | 1709.29%-1703.7pp | 81.02%-75.4pp |
| Employer contribution / active EE | $400 | $1,334-70.0% | $4,092-90.2% | $2,440-83.6% |
| Participant deferral / active EE | $1,294 | $2,384-45.7% | $3,603-64.1% | $3,608-64.1% |
| Admin fee / account holder | $377 | $3,549-89.4% | $5,463-93.1% | $5,124-92.6% |