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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 | $22,435 | $88,815-74.7% | $81,882-72.6% | $145,897-84.6% |
| Participation rate | 33.3% | 75.1%-41.7pp | 72.4%-39.1pp | 80.3%-47.0pp |
| Annual return | 3.95% | 1033.75%-1029.8pp | 779.47%-775.5pp | 552.29%-548.3pp |
| Employer contribution / active EE | $1,184 | $3,086-61.6% | $2,916-59.4% | $4,663-74.6% |
| Participant deferral / active EE | $1,778 | $4,647-61.7% | $4,323-58.9% | $6,689-73.4% |
| Admin fee / account holder | $68,282 | $8,434+709.6% | $7,360+827.8% | $13,390+409.9% |