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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 | $19,506 | $211,288-90.8% | $178,540-89.1% | $145,884-86.6% |
| Participation rate | 40.0% | 80.8%-40.8pp | 77.1%-37.1pp | 80.3%-40.3pp |
| Annual return | -0.54% | 30.27%-30.8pp | 27.15%-27.7pp | 551.85%-552.4pp |
| Employer contribution / active EE | $1,923 | $4,574-57.9% | $3,953-51.3% | $4,662-58.7% |
| Participant deferral / active EE | $0 | $6,967-100.0% | $6,281-100.0% | $6,690-100.0% |
| Admin fee / account holder | $984 | $12,105-91.9% | $10,424-90.6% | $13,392-92.7% |