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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 | $12,572 | $87,705-85.7% | $63,517-80.2% | $125,392-90.0% |
| Participation rate | 66.7% | 77.0%-10.4pp | 71.0%-4.4pp | 83.2%-16.5pp |
| Annual return | -4.81% | 21.70%-26.5pp | -70.30%+65.5pp | 282.23%-287.0pp |
| Employer contribution / active EE | $1,194 | $3,601-66.8% | $2,322-48.6% | $4,866-75.5% |
| Participant deferral / active EE | $3,128 | $3,939-20.6% | $2,953+5.9% | $5,351-41.6% |
| Admin fee / account holder | $533 | $11,948-95.5% | $5,892-91.0% | $9,541-94.4% |