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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 | $16,440 | $29,736-44.7% | $56,033-70.7% | $80,935-79.7% |
| Participation rate | 17.1% | 41.7%-24.6pp | 52.5%-35.4pp | 67.7%-50.6pp |
| Annual return | 9.24% | 35.28%-26.0pp | 1711.38%-1702.1pp | 35.66%-26.4pp |
| Employer contribution / active EE | $746 | $671+11.1% | $1,041-28.3% | $2,757-72.9% |
| Participant deferral / active EE | $1,060 | $1,228-13.7% | $1,954-45.8% | $4,299-75.4% |
| Admin fee / account holder | $1,087 | $2,434-55.3% | $2,827-61.5% | $6,924-84.3% |