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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 | $52,129 | $29,736+75.3% | $56,033-7.0% | $80,935-35.6% |
| Participation rate | 24.2% | 41.7%-17.5pp | 52.5%-28.3pp | 67.7%-43.5pp |
| Annual return | 9.71% | 35.28%-25.6pp | 1711.38%-1701.7pp | 35.66%-25.9pp |
| Employer contribution / active EE | $488 | $671-27.3% | $1,041-53.1% | $2,757-82.3% |
| Participant deferral / active EE | $900 | $1,228-26.8% | $1,954-54.0% | $4,299-79.1% |
| Admin fee / account holder | $1,773 | $2,434-27.1% | $2,827-37.3% | $6,924-74.4% |