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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 | $8,648 | $72,446-88.1% | $67,561-87.2% | $145,877-94.1% |
| Participation rate | 21.1% | 76.9%-55.8pp | 72.9%-51.9pp | 80.3%-59.2pp |
| Annual return | 5.00% | 7211.98%-7207.0pp | 3525.44%-3520.4pp | 551.28%-546.3pp |
| Employer contribution / active EE | $0 | $3,072-100.0% | $2,735-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $1,045 | $4,785-78.2% | $4,003-73.9% | $6,691-84.4% |
| Admin fee / account holder | $4,530 | $5,541-18.2% | $4,006+13.1% | $13,402-66.2% |