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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 | $22,637 | $64,729-65.0% | $112,263-79.8% | $68,490-66.9% |
| Participation rate | 23.4% | 67.2%-43.7pp | 75.1%-51.7pp | 67.9%-44.5pp |
| Annual return | -24.02% | -11.40%-12.6pp | 27.49%-51.5pp | -7.85%-16.2pp |
| Employer contribution / active EE | $842 | $2,746-69.3% | $3,636-76.9% | $2,597-67.6% |
| Participant deferral / active EE | $1,586 | $3,566-55.5% | $4,729-66.5% | $4,028-60.6% |
| Admin fee / account holder | $365 | $5,222-93.0% | $6,410-94.3% | $5,403-93.2% |