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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 | $16,054 | $24,618-34.8% | $71,585-77.6% | $82,637-80.6% |
| Participation rate | 36.0% | 68.2%-32.1pp | 68.2%-32.1pp | 68.1%-32.0pp |
| Annual return | 7.95% | 93.17%-85.2pp | 59.26%-51.3pp | 53.51%-45.6pp |
| Employer contribution / active EE | $5,154 | $852+505.1% | $1,669+208.9% | $2,552+102.0% |
| Participant deferral / active EE | $7,302 | $1,720+324.4% | $2,923+149.8% | $4,126+77.0% |
| Admin fee / account holder | $290,777 | $3,285+8752.8% | $4,712+6071.5% | $7,339+3862.2% |