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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 | $6,851 | $56,063-87.8% | $76,051-91.0% | $80,911-91.5% |
| Participation rate | 55.6% | 62.0%-6.5pp | 69.1%-13.5pp | 67.6%-12.1pp |
| Annual return | 8.47% | 20.54%-12.1pp | 360.42%-352.0pp | 35.63%-27.2pp |
| Employer contribution / active EE | $0 | $1,874-100.0% | $2,690-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,298 | $3,052-57.5% | $4,257-69.5% | $4,297-69.8% |
| Admin fee / account holder | $2,020 | $5,240-61.4% | $6,416-68.5% | $6,935-70.9% |