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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 | $24,880 | $85,790-71.0% | $67,313-63.0% | $135,379-81.6% |
| Participation rate | 18.2% | 76.5%-58.3pp | 69.1%-50.9pp | 82.6%-64.5pp |
| Annual return | -13.98% | -0.54%-13.4pp | -4.08%-9.9pp | 519.79%-533.8pp |
| Employer contribution / active EE | $0 | $3,487-100.0% | $2,566-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $1,769 | $4,651-62.0% | $3,568-50.4% | $5,609-68.5% |
| Admin fee / account holder | $2,478 | $6,392-61.2% | $4,507-45.0% | $10,828-77.1% |