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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 | $20,787 | $45,566-54.4% | $64,105-67.6% | $59,633-65.1% |
| Participation rate | 54.7% | 60.2%-5.5pp | 68.2%-13.5pp | 68.7%-14.0pp |
| Annual return | -4.28% | 4.95%-9.2pp | 791.24%-795.5pp | 2041.45%-2045.7pp |
| Employer contribution / active EE | $363 | $934-61.1% | $1,820-80.1% | $2,203-83.5% |
| Participant deferral / active EE | $1,175 | $2,057-42.9% | $2,822-58.4% | $3,192-63.2% |
| Admin fee / account holder | $636 | $3,268-80.5% | $4,499-85.9% | $4,297-85.2% |