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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 | $30,423-28.0% | $56,025-60.9% | $74,478-70.6% |
| Participation rate | 19.8% | 32.9%-13.1pp | 52.5%-32.7pp | 67.2%-47.4pp |
| Annual return | 9.38% | 24.97%-15.6pp | 1712.69%-1703.3pp | 1370.56%-1361.2pp |
| Employer contribution / active EE | $451 | $610-26.1% | $1,042-56.7% | $2,626-82.8% |
| Participant deferral / active EE | $592 | $1,176-49.6% | $1,955-69.7% | $4,350-86.4% |
| Admin fee / account holder | $456 | $2,363-80.7% | $2,828-83.9% | $1,946-76.5% |