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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 | $5,796 | $32,117-82.0% | $71,089-91.8% | $64,173-91.0% |
| Participation rate | 33.3% | 42.7%-9.4pp | 54.6%-21.3pp | 69.6%-36.2pp |
| Annual return | -13.52% | -5.57%-7.9pp | 650.65%-664.2pp | 7.63%-21.1pp |
| Employer contribution / active EE | $514 | $712-27.8% | $1,088-52.7% | $2,381-78.4% |
| Participant deferral / active EE | $784 | $1,263-37.9% | $1,873-58.1% | $3,470-77.4% |
| Admin fee / account holder | $915 | $2,759-66.8% | $3,082-70.3% | $4,887-81.3% |