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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 | $15,225 | $154,754-90.2% | $124,206-87.7% | $138,895-89.0% |
| Participation rate | 50.0% | 75.5%-25.5pp | 69.6%-19.6pp | 79.9%-29.9pp |
| Annual return | -0.52% | 709.28%-709.8pp | 515.27%-515.8pp | 145.39%-145.9pp |
| Employer contribution / active EE | $789 | $4,446-82.3% | $3,540-77.7% | $4,194-81.2% |
| Participant deferral / active EE | $710 | $4,621-84.6% | $3,968-82.1% | $6,396-88.9% |
| Admin fee / account holder | $8,000 | $6,690+19.6% | $5,929+34.9% | $12,562-36.3% |