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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 | $34,932+37.6% | $56,441-14.8% | $74,546-35.5% |
| Participation rate | 8.5% | 32.9%-24.4pp | 52.5%-44.0pp | 67.2%-58.7pp |
| Annual return | 8.74% | 24.90%-16.2pp | 1704.21%-1695.5pp | 1366.03%-1357.3pp |
| Employer contribution / active EE | $215 | $608-64.7% | $1,039-79.3% | $2,624-91.8% |
| Participant deferral / active EE | $622 | $1,173-46.9% | $1,953-68.1% | $4,347-85.7% |
| Admin fee / account holder | $6,342 | $2,359+168.8% | $2,829+124.1% | $1,944+226.3% |