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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 | $58,258-87.6% | $81,820-91.2% | $80,925-91.1% |
| Participation rate | 37.9% | 63.5%-25.5pp | 72.4%-34.5pp | 67.7%-29.7pp |
| Annual return | 7.49% | 41.76%-34.3pp | 777.93%-770.4pp | 35.65%-28.2pp |
| Employer contribution / active EE | $546 | $2,345-76.7% | $2,915-81.3% | $2,756-80.2% |
| Participant deferral / active EE | $1,323 | $3,284-59.7% | $4,323-69.4% | $4,299-69.2% |
| Admin fee / account holder | $364 | $4,976-92.7% | $7,391-95.1% | $6,940-94.8% |