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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 | $16,856 | $55,470-69.6% | $155,556-89.2% | $74,478-77.4% |
| Participation rate | 30.7% | 61.9%-31.2pp | 78.2%-47.5pp | 67.2%-36.5pp |
| Annual return | 8.36% | 269.80%-261.4pp | 64.84%-56.5pp | 1370.56%-1362.2pp |
| Employer contribution / active EE | $0 | $2,267-100.0% | $4,675-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,612 | $2,838-43.2% | $5,631-71.4% | $4,350-63.0% |
| Admin fee / account holder | $999 | $1,744-42.7% | $15,885-93.7% | $1,946-48.7% |