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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 | $16,708 | $45,123-63.0% | $85,240-80.4% | $74,478-77.6% |
| Participation rate | 21.2% | 49.4%-28.2pp | 67.5%-46.4pp | 67.2%-46.1pp |
| Annual return | -3.96% | 26.32%-30.3pp | 66.75%-70.7pp | 1370.56%-1374.5pp |
| Employer contribution / active EE | $833 | $1,459-42.9% | $2,735-69.5% | $2,626-68.3% |
| Participant deferral / active EE | $1,495 | $2,736-45.4% | $4,527-67.0% | $4,350-65.6% |
| Admin fee / account holder | $2,165 | $2,215-2.3% | $6,165-64.9% | $1,946+11.2% |