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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 | $25,077 | $49,177-49.0% | $79,467-68.4% | $64,173-60.9% |
| Participation rate | 39.7% | 65.0%-25.3pp | 73.3%-33.7pp | 69.6%-29.9pp |
| Annual return | -8.25% | -1.16%-7.1pp | 718.30%-726.6pp | 7.63%-15.9pp |
| Employer contribution / active EE | $369 | $2,076-82.2% | $2,800-86.8% | $2,381-84.5% |
| Participant deferral / active EE | $837 | $2,821-70.3% | $3,704-77.4% | $3,470-75.9% |
| Admin fee / account holder | $4,845 | $3,839+26.2% | $5,104-5.1% | $4,887-0.9% |