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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 | $16,766 | $75,832-77.9% | $147,618-88.6% | $59,633-71.9% |
| Participation rate | 65.2% | 71.6%-6.3pp | 84.6%-19.4pp | 68.7%-3.5pp |
| Annual return | -3.15% | 0.37%-3.5pp | 61.98%-65.1pp | 2041.40%-2044.6pp |
| Employer contribution / active EE | $1,289 | $3,485-63.0% | $5,565-76.8% | $2,203-41.5% |
| Participant deferral / active EE | $2,860 | $3,131-8.6% | $4,895-41.6% | $3,192-10.4% |
| Admin fee / account holder | $2,270 | $5,986-62.1% | $11,612-80.4% | $4,297-47.2% |