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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 | $7,714 | $29,319-73.7% | $52,425-85.3% | $82,448-90.6% |
| Participation rate | 9.8% | 46.9%-37.0pp | 55.6%-45.8pp | 68.1%-58.2pp |
| Annual return | 11.75% | 535.20%-523.5pp | 302.12%-290.4pp | 41.64%-29.9pp |
| Employer contribution / active EE | $0 | $586-100.0% | $914-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $261 | $1,171-77.7% | $1,790-85.4% | $4,139-93.7% |
| Admin fee / account holder | $2,966 | $1,962+51.2% | $2,495+18.9% | $7,234-59.0% |