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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 | $31,287 | $180,749-82.7% | $160,784-80.5% | $137,256-77.2% |
| Participation rate | 17.6% | 80.0%-62.3pp | 77.0%-59.3pp | 80.0%-62.3pp |
| Annual return | 8.77% | 2234.46%-2225.7pp | 1803.92%-1795.2pp | 220.34%-211.6pp |
| Employer contribution / active EE | $559 | $4,155-86.5% | $3,733-85.0% | $4,156-86.5% |
| Participant deferral / active EE | $1,453 | $6,844-78.8% | $6,293-76.9% | $6,407-77.3% |
| Admin fee / account holder | $24,356 | $10,397+134.3% | $9,717+150.7% | $12,270+98.5% |