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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 | $28,533 | $73,863-61.4% | $143,797-80.2% | $68,490-58.3% |
| Participation rate | 45.8% | 66.7%-20.8pp | 80.3%-34.5pp | 67.9%-22.1pp |
| Annual return | -26.24% | 0.91%-27.1pp | -0.04%-26.2pp | -7.85%-18.4pp |
| Employer contribution / active EE | $873 | $3,185-72.6% | $4,952-82.4% | $2,597-66.4% |
| Participant deferral / active EE | $2,612 | $3,385-22.8% | $5,638-53.7% | $4,028-35.1% |
| Admin fee / account holder | $1,957 | $5,756-66.0% | $14,679-86.7% | $5,403-63.8% |