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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 | $15,084 | $27,936-46.0% | $58,561-74.2% | $75,173-79.9% |
| Participation rate | 64.9% | 38.8%+26.0pp | 50.9%+14.0pp | 67.2%-2.3pp |
| Annual return | 15.03% | 44.21%-29.2pp | 4251.33%-4236.3pp | 160.72%-145.7pp |
| Employer contribution / active EE | $973 | $670+45.3% | $1,053-7.7% | $2,671-63.6% |
| Participant deferral / active EE | $2,323 | $1,202+93.3% | $1,923+20.8% | $4,126-43.7% |
| Admin fee / account holder | $987 | $1,727-42.8% | $2,520-60.8% | $5,651-82.5% |