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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 | $21,990 | $55,446-60.3% | $155,574-85.9% | $74,429-70.5% |
| Participation rate | 23.8% | 61.9%-38.1pp | 78.2%-54.4pp | 67.2%-43.4pp |
| Annual return | 8.18% | 269.20%-261.0pp | 64.87%-56.7pp | 1368.38%-1360.2pp |
| Employer contribution / active EE | $397 | $2,266-82.5% | $4,676-91.5% | $2,625-84.9% |
| Participant deferral / active EE | $877 | $2,836-69.1% | $5,629-84.4% | $4,348-79.8% |
| Admin fee / account holder | $860 | $1,743-50.7% | $15,914-94.6% | $1,944-55.8% |