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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 | $12,062 | $58,311-79.3% | $81,882-85.3% | $80,959-85.1% |
| Participation rate | 25.0% | 63.5%-38.5pp | 72.4%-47.4pp | 67.7%-42.7pp |
| Annual return | 5.11% | 41.85%-36.7pp | 779.47%-774.4pp | 35.67%-30.6pp |
| Employer contribution / active EE | $503 | $2,347-78.6% | $2,916-82.7% | $2,757-81.8% |
| Participant deferral / active EE | $909 | $3,287-72.3% | $4,323-79.0% | $4,300-78.9% |
| Admin fee / account holder | $4,158 | $4,752-12.5% | $7,360-43.5% | $6,925-40.0% |