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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 | $11,208 | $125,778-91.1% | $114,563-90.2% | $154,746-92.8% |
| Participation rate | 47.1% | 75.2%-28.1pp | 72.9%-25.8pp | 80.7%-33.6pp |
| Annual return | 6.41% | 295.14%-288.7pp | 241.09%-234.7pp | 172.34%-165.9pp |
| Employer contribution / active EE | $712 | $2,806-74.6% | $2,592-72.5% | $4,379-83.7% |
| Participant deferral / active EE | $1,264 | $4,445-71.6% | $4,142-69.5% | $6,730-81.2% |
| Admin fee / account holder | $14,364 | $8,190+75.4% | $7,623+88.4% | $14,3650% |