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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 | $21,965 | $72,177-69.6% | $115,038-80.9% | $59,633-63.2% |
| Participation rate | 41.2% | 72.6%-31.4pp | 81.4%-40.2pp | 68.7%-27.5pp |
| Annual return | -6.14% | 12.02%-18.2pp | 26.14%-32.3pp | 2041.45%-2047.6pp |
| Employer contribution / active EE | $901 | $2,841-68.3% | $4,608-80.5% | $2,203-59.1% |
| Participant deferral / active EE | $2,413 | $4,783-49.6% | $6,026-60.0% | $3,192-24.4% |
| Admin fee / account holder | $12,321 | $4,927+150.1% | $8,175+50.7% | $4,297+186.7% |