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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 | $41,951 | $29,319+43.1% | $52,425-20.0% | $82,448-49.1% |
| Participation rate | 20.0% | 46.9%-26.9pp | 55.6%-35.6pp | 68.1%-48.1pp |
| Annual return | 12.36% | 535.20%-522.8pp | 302.12%-289.8pp | 41.64%-29.3pp |
| Employer contribution / active EE | $149 | $586-74.6% | $914-83.7% | $2,551-94.2% |
| Participant deferral / active EE | $1,363 | $1,171+16.4% | $1,790-23.9% | $4,139-67.1% |
| Admin fee / account holder | $557 | $1,962-71.6% | $2,495-77.7% | $7,234-92.3% |