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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 | $58,241-87.6% | $81,780-91.2% | $80,911-91.1% |
| Participation rate | 37.9% | 63.4%-25.5pp | 72.4%-34.4pp | 67.6%-29.7pp |
| Annual return | 7.49% | 41.73%-34.2pp | 776.27%-768.8pp | 35.63%-28.1pp |
| Employer contribution / active EE | $546 | $2,343-76.7% | $2,914-81.3% | $2,756-80.2% |
| Participant deferral / active EE | $1,323 | $3,283-59.7% | $4,321-69.4% | $4,297-69.2% |
| Admin fee / account holder | $364 | $4,973-92.7% | $7,384-95.1% | $6,935-94.8% |