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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 | $16,748 | $54,558-69.3% | $76,051-78.0% | $74,400-77.5% |
| Participation rate | 34.3% | 60.3%-26.0pp | 69.1%-34.8pp | 67.2%-32.9pp |
| Annual return | 9.53% | 31.83%-22.3pp | 360.42%-350.9pp | 1367.51%-1358.0pp |
| Employer contribution / active EE | $653 | $1,778-63.3% | $2,690-75.7% | $2,624-75.1% |
| Participant deferral / active EE | $1,229 | $3,065-59.9% | $4,257-71.1% | $4,348-71.7% |
| Admin fee / account holder | $1,869 | $2,232-16.3% | $6,416-70.9% | $1,944-3.8% |