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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 | $48,060 | $30,423+58.0% | $56,025-14.2% | $74,478-35.5% |
| Participation rate | 8.5% | 32.9%-24.4pp | 52.5%-44.0pp | 67.2%-58.8pp |
| Annual return | 8.74% | 24.97%-16.2pp | 1712.69%-1704.0pp | 1370.56%-1361.8pp |
| Employer contribution / active EE | $215 | $610-64.8% | $1,042-79.4% | $2,626-91.8% |
| Participant deferral / active EE | $622 | $1,176-47.1% | $1,955-68.2% | $4,350-85.7% |
| Admin fee / account holder | $6,342 | $2,363+168.4% | $2,828+124.2% | $1,946+225.9% |