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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 | $11,040 | $154,754-92.9% | $124,206-91.1% | $138,895-92.1% |
| Participation rate | 18.2% | 75.5%-57.3pp | 69.6%-51.4pp | 79.9%-61.7pp |
| Annual return | 9.03% | 709.28%-700.2pp | 515.27%-506.2pp | 145.39%-136.4pp |
| Employer contribution / active EE | $508 | $4,446-88.6% | $3,540-85.6% | $4,194-87.9% |
| Participant deferral / active EE | $835 | $4,621-81.9% | $3,968-79.0% | $6,396-87.0% |
| Admin fee / account holder | $14,545 | $6,690+117.4% | $5,929+145.3% | $12,562+15.8% |