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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 | $6,155 | $27,632-77.7% | $61,452-90.0% | $68,486-91.0% |
| Participation rate | 29.6% | 39.5%-9.9pp | 52.6%-22.9pp | 67.9%-38.3pp |
| Annual return | -21.55% | -13.24%-8.3pp | 338.96%-360.5pp | -7.85%-13.7pp |
| Employer contribution / active EE | $0 | $696-100.0% | $1,160-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $636 | $1,264-49.7% | $2,125-70.1% | $4,028-84.2% |
| Admin fee / account holder | $773 | $2,010-61.5% | $2,131-63.7% | $5,404-85.7% |