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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 | $6,977 | $88,815-92.1% | $81,882-91.5% | $145,897-95.2% |
| Participation rate | 50.0% | 75.1%-25.1pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 6.26% | 1033.75%-1027.5pp | 779.47%-773.2pp | 552.29%-546.0pp |
| Employer contribution / active EE | $793 | $3,086-74.3% | $2,916-72.8% | $4,663-83.0% |
| Participant deferral / active EE | $1,422 | $4,647-69.4% | $4,323-67.1% | $6,689-78.7% |
| Admin fee / account holder | $4,855 | $8,434-42.4% | $7,360-34.0% | $13,390-63.7% |