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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 | $29,950 | $29,670+0.9% | $56,054-46.6% | $80,911-63.0% |
| Participation rate | 12.0% | 41.7%-29.7pp | 52.5%-40.5pp | 67.6%-55.6pp |
| Annual return | 9.21% | 35.24%-26.0pp | 1705.95%-1696.7pp | 35.63%-26.4pp |
| Employer contribution / active EE | $213 | $670-68.2% | $1,039-79.5% | $2,756-92.3% |
| Participant deferral / active EE | $458 | $1,227-62.6% | $1,952-76.5% | $4,297-89.3% |
| Admin fee / account holder | $1,274 | $2,431-47.6% | $2,822-54.9% | $6,935-81.6% |