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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 | $9,065 | $27,936-67.6% | $58,561-84.5% | $75,173-87.9% |
| Participation rate | 20.0% | 38.8%-18.8pp | 50.9%-30.9pp | 67.2%-47.2pp |
| Annual return | 14.80% | 44.21%-29.4pp | 4251.33%-4236.5pp | 160.72%-145.9pp |
| Employer contribution / active EE | $149 | $670-77.8% | $1,053-85.9% | $2,671-94.4% |
| Participant deferral / active EE | $656 | $1,202-45.4% | $1,923-65.9% | $4,126-84.1% |
| Admin fee / account holder | $642 | $1,727-62.8% | $2,520-74.5% | $5,651-88.6% |