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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 | $21,897 | $34,932-37.3% | $56,441-61.2% | $74,546-70.6% |
| Participation rate | 19.8% | 32.9%-13.1pp | 52.5%-32.7pp | 67.2%-47.4pp |
| Annual return | 9.38% | 24.90%-15.5pp | 1704.21%-1694.8pp | 1366.03%-1356.7pp |
| Employer contribution / active EE | $451 | $608-25.9% | $1,039-56.6% | $2,624-82.8% |
| Participant deferral / active EE | $592 | $1,173-49.5% | $1,953-69.7% | $4,347-86.4% |
| Admin fee / account holder | $456 | $2,359-80.7% | $2,829-83.9% | $1,944-76.5% |