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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 | $28,568 | $34,932-18.2% | $56,441-49.4% | $74,546-61.7% |
| Participation rate | 45.1% | 32.9%+12.2pp | 52.5%-7.4pp | 67.2%-22.1pp |
| Annual return | 10.54% | 24.90%-14.4pp | 1704.21%-1693.7pp | 1366.03%-1355.5pp |
| Employer contribution / active EE | $682 | $608+12.1% | $1,039-34.4% | $2,624-74.0% |
| Participant deferral / active EE | $1,390 | $1,173+18.5% | $1,953-28.8% | $4,347-68.0% |
| Admin fee / account holder | $402 | $2,359-83.0% | $2,829-85.8% | $1,944-79.3% |