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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 | $58,717 | $27,943+110.1% | $58,507+0.4% | $75,177-21.9% |
| Participation rate | 31.4% | 38.8%-7.4pp | 50.9%-19.4pp | 67.2%-35.8pp |
| Annual return | 11.42% | 44.22%-32.8pp | 4252.32%-4240.9pp | 160.75%-149.3pp |
| Employer contribution / active EE | $407 | $670-39.2% | $1,053-61.3% | $2,671-84.8% |
| Participant deferral / active EE | $976 | $1,202-18.8% | $1,922-49.2% | $4,126-76.3% |
| Admin fee / account holder | $719 | $1,727-58.4% | $2,486-71.1% | $5,651-87.3% |