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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 | $29,716+83.2% | $56,077-2.9% | $80,925-32.7% |
| Participation rate | 10.0% | 41.7%-31.7pp | 52.5%-42.5pp | 67.7%-57.7pp |
| Annual return | 10.25% | 35.30%-25.0pp | 1709.28%-1699.0pp | 35.65%-25.4pp |
| Employer contribution / active EE | $422 | $671-37.1% | $1,040-59.4% | $2,756-84.7% |
| Participant deferral / active EE | $538 | $1,228-56.2% | $1,954-72.4% | $4,299-87.5% |
| Admin fee / account holder | $50,815 | $2,432+1989.4% | $2,825+1698.8% | $6,940+632.2% |