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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 | $24,632 | $76,519-67.8% | $56,025-56.0% | $145,897-83.1% |
| Participation rate | 66.7% | 63.2%+3.4pp | 52.5%+14.2pp | 80.3%-13.6pp |
| Annual return | 4.81% | 3017.03%-3012.2pp | 1712.69%-1707.9pp | 552.29%-547.5pp |
| Employer contribution / active EE | $2,196 | $1,383+58.7% | $1,042+110.8% | $4,663-52.9% |
| Participant deferral / active EE | $3,933 | $2,624+49.9% | $1,955+101.2% | $6,689-41.2% |
| Admin fee / account holder | $3,780 | $3,331+13.5% | $2,828+33.6% | $13,390-71.8% |