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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 | $9,424 | $29,319-67.9% | $52,425-82.0% | $82,448-88.6% |
| Participation rate | 17.0% | 46.9%-29.9pp | 55.6%-38.6pp | 68.1%-51.1pp |
| Annual return | 12.99% | 535.20%-522.2pp | 302.12%-289.1pp | 41.64%-28.6pp |
| Employer contribution / active EE | $267 | $586-54.5% | $914-70.8% | $2,551-89.5% |
| Participant deferral / active EE | $363 | $1,171-69.0% | $1,790-79.7% | $4,139-91.2% |
| Admin fee / account holder | $6,093 | $1,962+210.5% | $2,495+144.2% | $7,234-15.8% |