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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 | $12,731 | $27,936-54.4% | $58,561-78.3% | $75,173-83.1% |
| Participation rate | 22.4% | 38.8%-16.5pp | 50.9%-28.5pp | 67.2%-44.8pp |
| Annual return | 9.65% | 44.21%-34.6pp | 4251.33%-4241.7pp | 160.72%-151.1pp |
| Employer contribution / active EE | $307 | $670-54.2% | $1,053-70.9% | $2,671-88.5% |
| Participant deferral / active EE | $1,089 | $1,202-9.4% | $1,923-43.4% | $4,126-73.6% |
| Admin fee / account holder | $371 | $1,727-78.5% | $2,520-85.3% | $5,651-93.4% |