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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 | $14,413 | $149,040-90.3% | $120,225-88.0% | $137,256-89.5% |
| Participation rate | 50.0% | 75.4%-25.4pp | 69.6%-19.6pp | 80.0%-30.0pp |
| Annual return | 6.92% | 605.68%-598.8pp | 439.23%-432.3pp | 220.34%-213.4pp |
| Employer contribution / active EE | $577 | $4,350-86.7% | $3,475-83.4% | $4,156-86.1% |
| Participant deferral / active EE | $1,847 | $4,655-60.3% | $3,999-53.8% | $6,407-71.2% |
| Admin fee / account holder | $8,914 | $6,348+40.4% | $5,696+56.5% | $12,270-27.4% |