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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 | $7,177 | $29,733-75.9% | $56,025-87.2% | $80,959-91.1% |
| Participation rate | 13.6% | 41.7%-28.2pp | 52.5%-38.9pp | 67.7%-54.1pp |
| Annual return | 8.41% | 35.28%-26.9pp | 1712.69%-1704.3pp | 35.67%-27.3pp |
| Employer contribution / active EE | $0 | $672-100.0% | $1,042-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $437 | $1,229-64.4% | $1,955-77.6% | $4,300-89.8% |
| Admin fee / account holder | $4,088 | $2,434+68.0% | $2,828+44.5% | $6,925-41.0% |