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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 | $13,311 | $42,383-68.6% | $76,518-82.6% | $64,173-79.3% |
| Participation rate | 57.7% | 58.1%-0.4pp | 68.0%-10.3pp | 69.6%-11.8pp |
| Annual return | -11.52% | -16.54%+5.0pp | -0.27%-11.3pp | 7.63%-19.2pp |
| Employer contribution / active EE | $985 | $1,563-37.0% | $2,647-62.8% | $2,381-58.6% |
| Participant deferral / active EE | $4,291 | $2,566+67.2% | $3,836+11.9% | $3,470+23.7% |
| Admin fee / account holder | $398 | $3,198-87.6% | $4,849-91.8% | $4,887-91.9% |