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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 | $20,243 | $85,171-76.2% | $172,753-88.3% | $72,976-72.3% |
| Participation rate | 57.9% | 70.1%-12.2pp | 82.6%-24.8pp | 69.5%-11.6pp |
| Annual return | 14.66% | 27.32%-12.7pp | 803.00%-788.3pp | 81.02%-66.4pp |
| Employer contribution / active EE | $758 | $3,324-77.2% | $5,144-85.3% | $2,440-68.9% |
| Participant deferral / active EE | $1,254 | $3,260-61.5% | $5,198-75.9% | $3,608-65.2% |
| Admin fee / account holder | $23,063 | $5,880+292.2% | $13,956+65.3% | $5,124+350.1% |