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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 | $11,208 | $101,618-89.0% | $93,063-88.0% | $137,256-91.8% |
| Participation rate | 47.1% | 74.9%-27.9pp | 72.1%-25.1pp | 80.0%-32.9pp |
| Annual return | 6.41% | 223.95%-217.5pp | 34.15%-27.7pp | 220.34%-213.9pp |
| Employer contribution / active EE | $712 | $2,707-73.7% | $2,476-71.2% | $4,156-82.9% |
| Participant deferral / active EE | $1,264 | $4,279-70.5% | $3,958-68.1% | $6,407-80.3% |
| Admin fee / account holder | $14,364 | $6,198+131.7% | $6,033+138.1% | $12,270+17.1% |