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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 | $22,927 | $27,936-17.9% | $58,561-60.8% | $75,173-69.5% |
| Participation rate | 19.2% | 38.8%-19.7pp | 50.9%-31.7pp | 67.2%-48.0pp |
| Annual return | 14.48% | 44.21%-29.7pp | 4251.33%-4236.8pp | 160.72%-146.2pp |
| Employer contribution / active EE | $738 | $670+10.3% | $1,053-29.9% | $2,671-72.4% |
| Participant deferral / active EE | $866 | $1,202-27.9% | $1,923-55.0% | $4,126-79.0% |
| Admin fee / account holder | $3,551 | $1,727+105.6% | $2,520+40.9% | $5,651-37.2% |