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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 | $23,786 | $65,566-63.7% | $86,235-72.4% | $75,177-68.4% |
| Participation rate | 48.2% | 60.5%-12.3pp | 69.0%-20.7pp | 67.2%-19.0pp |
| Annual return | 11.37% | 46.07%-34.7pp | 1170.03%-1158.7pp | 160.75%-149.4pp |
| Employer contribution / active EE | $821 | $1,553-47.1% | $2,381-65.5% | $2,671-69.3% |
| Participant deferral / active EE | $1,541 | $3,023-49.0% | $3,987-61.4% | $4,126-62.7% |
| Admin fee / account holder | $9,982 | $5,470+82.5% | $6,856+45.6% | $5,651+76.6% |