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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 | $7,713 | $72,403-89.3% | $67,524-88.6% | $145,978-94.7% |
| Participation rate | 53.8% | 76.9%-23.0pp | 72.9%-19.1pp | 80.3%-26.4pp |
| Annual return | 5.67% | 7197.23%-7191.6pp | 3519.41%-3513.7pp | 550.52%-544.8pp |
| Employer contribution / active EE | $625 | $3,072-79.7% | $2,734-77.2% | $4,662-86.6% |
| Participant deferral / active EE | $2,662 | $4,782-44.3% | $4,001-33.5% | $6,690-60.2% |
| Admin fee / account holder | $2,887 | $5,541-47.9% | $4,001-27.8% | $13,400-78.5% |