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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 | $18,293 | $27,943-34.5% | $58,507-68.7% | $75,177-75.7% |
| Participation rate | 31.9% | 38.8%-6.9pp | 50.9%-19.0pp | 67.2%-35.3pp |
| Annual return | 10.00% | 44.22%-34.2pp | 4252.32%-4242.3pp | 160.75%-150.7pp |
| Employer contribution / active EE | $690 | $670+3.1% | $1,053-34.4% | $2,671-74.2% |
| Participant deferral / active EE | $956 | $1,202-20.5% | $1,922-50.3% | $4,126-76.8% |
| Admin fee / account holder | $30,735 | $1,727+1679.6% | $2,486+1136.3% | $5,651+443.9% |