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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 | $2,806 | $27,632-89.8% | $61,399-95.4% | $68,495-95.9% |
| Participation rate | 28.0% | 39.5%-11.5pp | 52.6%-24.6pp | 67.9%-39.9pp |
| Annual return | -42.61% | -13.24%-29.4pp | 338.81%-381.4pp | -7.84%-34.8pp |
| Employer contribution / active EE | $306 | $696-56.0% | $1,159-73.6% | $2,596-88.2% |
| Participant deferral / active EE | $585 | $1,264-53.7% | $2,124-72.5% | $4,028-85.5% |
| Admin fee / account holder | $890 | $2,010-55.7% | $2,131-58.2% | $5,403-83.5% |