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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 | $8,149 | $39,028-79.1% | $80,741-89.9% | $85,847-90.5% |
| Participation rate | 25.0% | 41.6%-16.6pp | 54.2%-29.2pp | 69.3%-44.3pp |
| Annual return | 6.10% | 26.31%-20.2pp | 87.30%-81.2pp | 318.61%-312.5pp |
| Employer contribution / active EE | $295 | $722-59.2% | $1,160-74.6% | $2,565-88.5% |
| Participant deferral / active EE | $813 | $1,326-38.7% | $2,145-62.1% | $3,952-79.4% |
| Admin fee / account holder | $1,545 | $2,429-36.4% | $3,380-54.3% | $6,261-75.3% |