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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 | $32,022 | $72,465-55.8% | $67,575-52.6% | $145,884-78.0% |
| Participation rate | 34.8% | 76.9%-42.1pp | 72.9%-38.1pp | 80.3%-45.5pp |
| Annual return | 8.24% | 7222.56%-7214.3pp | 3528.98%-3520.7pp | 551.85%-543.6pp |
| Employer contribution / active EE | $656 | $3,074-78.6% | $2,736-76.0% | $4,662-85.9% |
| Participant deferral / active EE | $977 | $4,786-79.6% | $4,003-75.6% | $6,690-85.4% |
| Admin fee / account holder | $17,061 | $5,515+209.3% | $3,993+327.3% | $13,392+27.4% |