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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 | $7,373 | $27,943-73.6% | $58,507-87.4% | $75,177-90.2% |
| Participation rate | 20.0% | 38.8%-18.8pp | 50.9%-30.9pp | 67.2%-47.2pp |
| Annual return | 6.75% | 44.22%-37.5pp | 4252.32%-4245.6pp | 160.75%-154.0pp |
| Employer contribution / active EE | $339 | $670-49.4% | $1,053-67.9% | $2,671-87.3% |
| Participant deferral / active EE | $542 | $1,202-54.9% | $1,922-71.8% | $4,126-86.9% |
| Admin fee / account holder | $2,078 | $1,727+20.3% | $2,486-16.4% | $5,651-63.2% |