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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 | $54,426 | $29,733+83.0% | $56,025-2.9% | $80,959-32.8% |
| Participation rate | 10.0% | 41.7%-31.7pp | 52.5%-42.5pp | 67.7%-57.7pp |
| Annual return | 10.25% | 35.28%-25.0pp | 1712.69%-1702.4pp | 35.67%-25.4pp |
| Employer contribution / active EE | $422 | $672-37.2% | $1,042-59.5% | $2,757-84.7% |
| Participant deferral / active EE | $538 | $1,229-56.2% | $1,955-72.4% | $4,300-87.5% |
| Admin fee / account holder | $50,815 | $2,434+1988.1% | $2,828+1696.6% | $6,925+633.8% |