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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 | $6,393 | $29,667-78.5% | $56,441-88.7% | $80,874-92.1% |
| Participation rate | 63.5% | 41.7%+21.8pp | 52.5%+11.0pp | 67.6%-4.1pp |
| Annual return | 9.76% | 35.22%-25.5pp | 1704.21%-1694.4pp | 35.62%-25.9pp |
| Employer contribution / active EE | $734 | $669+9.7% | $1,039-29.4% | $2,756-73.4% |
| Participant deferral / active EE | $688 | $1,227-43.9% | $1,953-64.7% | $4,297-84.0% |
| Admin fee / account holder | $1,324 | $2,429-45.5% | $2,829-53.2% | $6,935-80.9% |