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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 | $13,310 | $75,962-82.5% | $154,108-91.4% | $64,173-79.3% |
| Participation rate | 51.3% | 70.4%-19.1pp | 83.0%-31.7pp | 69.6%-18.3pp |
| Annual return | -10.87% | 30.32%-41.2pp | 735.21%-746.1pp | 7.63%-18.5pp |
| Employer contribution / active EE | $607 | $3,350-81.9% | $5,298-88.5% | $2,381-74.5% |
| Participant deferral / active EE | $1,409 | $3,175-55.6% | $5,081-72.3% | $3,470-59.4% |
| Admin fee / account holder | $377 | $5,589-93.3% | $13,411-97.2% | $4,887-92.3% |