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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 | $21,897 | $49,896-56.1% | $80,627-72.8% | $75,173-70.9% |
| Participation rate | 3.2% | 55.3%-52.1pp | 67.0%-63.8pp | 67.2%-64.0pp |
| Annual return | 14.13% | 34.67%-20.5pp | 936.76%-922.6pp | 160.72%-146.6pp |
| Employer contribution / active EE | $0 | $1,699-100.0% | $2,723-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $729 | $2,992-75.6% | $4,443-83.6% | $4,126-82.3% |
| Admin fee / account holder | $6,171 | $3,578+72.5% | $5,381+14.7% | $5,651+9.2% |