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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 | $7,214 | $58,311-87.6% | $81,882-91.2% | $80,959-91.1% |
| Participation rate | 37.9% | 63.5%-25.6pp | 72.4%-34.5pp | 67.7%-29.7pp |
| Annual return | 7.49% | 41.85%-34.4pp | 779.47%-772.0pp | 35.67%-28.2pp |
| Employer contribution / active EE | $546 | $2,347-76.7% | $2,916-81.3% | $2,757-80.2% |
| Participant deferral / active EE | $1,323 | $3,287-59.7% | $4,323-69.4% | $4,300-69.2% |
| Admin fee / account holder | $364 | $4,752-92.3% | $7,360-95.1% | $6,925-94.7% |