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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 | $37,503 | $29,716+26.2% | $56,077-33.1% | $80,925-53.7% |
| Participation rate | 12.3% | 41.7%-29.4pp | 52.5%-40.2pp | 67.7%-55.3pp |
| Annual return | 9.74% | 35.30%-25.6pp | 1709.28%-1699.5pp | 35.65%-25.9pp |
| Employer contribution / active EE | $268 | $671-60.1% | $1,040-74.3% | $2,756-90.3% |
| Participant deferral / active EE | $586 | $1,228-52.3% | $1,954-70.0% | $4,299-86.4% |
| Admin fee / account holder | $998 | $2,432-58.9% | $2,825-64.7% | $6,940-85.6% |