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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 | $18,688 | $29,716-37.1% | $56,077-66.7% | $80,925-76.9% |
| Participation rate | 19.0% | 41.7%-22.6pp | 52.5%-33.5pp | 67.7%-48.6pp |
| Annual return | 6.39% | 35.30%-28.9pp | 1709.28%-1702.9pp | 35.65%-29.3pp |
| Employer contribution / active EE | $154 | $671-77.1% | $1,040-85.2% | $2,756-94.4% |
| Participant deferral / active EE | $807 | $1,228-34.3% | $1,954-58.7% | $4,299-81.2% |
| Admin fee / account holder | $666 | $2,432-72.6% | $2,825-76.4% | $6,940-90.4% |