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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 | $30,385+58.2% | $56,054-14.3% | $74,400-35.4% |
| Participation rate | 8.5% | 32.9%-24.4pp | 52.5%-44.0pp | 67.2%-58.7pp |
| Annual return | 8.74% | 24.92%-16.2pp | 1705.95%-1697.2pp | 1367.51%-1358.8pp |
| Employer contribution / active EE | $215 | $609-64.7% | $1,039-79.3% | $2,624-91.8% |
| Participant deferral / active EE | $622 | $1,174-47.0% | $1,952-68.1% | $4,348-85.7% |
| Admin fee / account holder | $6,342 | $2,361+168.6% | $2,822+124.7% | $1,944+226.3% |