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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 | $10,767 | $58,258-81.5% | $81,820-86.8% | $80,925-86.7% |
| Participation rate | 33.3% | 63.5%-30.1pp | 72.4%-39.1pp | 67.7%-34.3pp |
| Annual return | 9.08% | 41.76%-32.7pp | 777.93%-768.9pp | 35.65%-26.6pp |
| Employer contribution / active EE | $0 | $2,345-100.0% | $2,915-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,561 | $3,284-52.5% | $4,323-63.9% | $4,299-63.7% |
| Admin fee / account holder | $2,442 | $4,976-50.9% | $7,391-67.0% | $6,940-64.8% |