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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 | $6,335 | $27,639-77.1% | $61,501-89.7% | $68,490-90.8% |
| Participation rate | 15.8% | 39.5%-23.7pp | 52.6%-36.8pp | 67.9%-52.1pp |
| Annual return | -22.17% | -13.19%-9.0pp | 339.04%-361.2pp | -7.85%-14.3pp |
| Employer contribution / active EE | $377 | $696-45.8% | $1,160-67.5% | $2,597-85.5% |
| Participant deferral / active EE | $503 | $1,264-60.2% | $2,125-76.3% | $4,028-87.5% |
| Admin fee / account holder | $485 | $2,012-75.9% | $2,132-77.2% | $5,403-91.0% |