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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 | $25,427 | $45,566-44.2% | $64,105-60.3% | $59,633-57.4% |
| Participation rate | 32.4% | 60.2%-27.8pp | 68.2%-35.8pp | 68.7%-36.3pp |
| Annual return | -4.22% | 4.95%-9.2pp | 791.24%-795.5pp | 2041.45%-2045.7pp |
| Employer contribution / active EE | $608 | $934-34.9% | $1,820-66.6% | $2,203-72.4% |
| Participant deferral / active EE | $1,516 | $2,057-26.3% | $2,822-46.3% | $3,192-52.5% |
| Admin fee / account holder | $610 | $3,268-81.3% | $4,499-86.4% | $4,297-85.8% |