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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 | $11,776 | $56,134-79.0% | $96,171-87.8% | $85,847-86.3% |
| Participation rate | 36.9% | 56.7%-19.8pp | 68.4%-31.5pp | 69.3%-32.4pp |
| Annual return | 6.57% | 42.30%-35.7pp | 192.04%-185.5pp | 318.61%-312.0pp |
| Employer contribution / active EE | $0 | $1,620-100.0% | $2,799-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,637 | $2,858-42.7% | $4,350-62.4% | $3,952-58.6% |
| Admin fee / account holder | $673 | $3,769-82.2% | $5,538-87.9% | $6,261-89.3% |