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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 | $43,361 | $27,943+55.2% | $58,507-25.9% | $75,177-42.3% |
| Participation rate | 19.3% | 38.8%-19.6pp | 50.9%-31.6pp | 67.2%-47.9pp |
| Annual return | 13.44% | 44.22%-30.8pp | 4252.32%-4238.9pp | 160.75%-147.3pp |
| Employer contribution / active EE | $410 | $670-38.8% | $1,053-61.1% | $2,671-84.7% |
| Participant deferral / active EE | $1,095 | $1,202-8.9% | $1,922-43.0% | $4,126-73.5% |
| Admin fee / account holder | $6,590 | $1,727+281.6% | $2,486+165.1% | $5,651+16.6% |