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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 | $62,251 | $27,943+122.8% | $58,507+6.4% | $75,177-17.2% |
| Participation rate | 21.2% | 38.8%-17.6pp | 50.9%-29.7pp | 67.2%-46.0pp |
| Annual return | 14.86% | 44.22%-29.4pp | 4252.32%-4237.5pp | 160.75%-145.9pp |
| Employer contribution / active EE | $426 | $670-36.4% | $1,053-59.6% | $2,671-84.1% |
| Participant deferral / active EE | $869 | $1,202-27.7% | $1,922-54.8% | $4,126-78.9% |
| Admin fee / account holder | $355 | $1,727-79.5% | $2,486-85.7% | $5,651-93.7% |