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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 | $24,473 | $27,924-12.4% | $58,544-58.2% | $75,181-67.4% |
| Participation rate | 17.1% | 38.8%-21.7pp | 50.9%-33.7pp | 67.2%-50.1pp |
| Annual return | 14.76% | 44.20%-29.4pp | 4249.56%-4234.8pp | 160.69%-145.9pp |
| Employer contribution / active EE | $478 | $669-28.6% | $1,053-54.6% | $2,671-82.1% |
| Participant deferral / active EE | $1,056 | $1,202-12.1% | $1,923-45.1% | $4,126-74.4% |
| Admin fee / account holder | $566 | $1,726-67.2% | $2,520-77.5% | $5,650-90.0% |