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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 | $4,514 | $27,632-83.7% | $61,452-92.7% | $68,486-93.4% |
| Participation rate | 44.0% | 39.5%+4.5pp | 52.6%-8.6pp | 67.9%-23.9pp |
| Annual return | -28.63% | -13.24%-15.4pp | 338.96%-367.6pp | -7.85%-20.8pp |
| Employer contribution / active EE | $1,004 | $696+44.3% | $1,160-13.4% | $2,597-61.3% |
| Participant deferral / active EE | $1,182 | $1,264-6.5% | $2,125-44.4% | $4,028-70.7% |
| Admin fee / account holder | $303 | $2,010-84.9% | $2,131-85.8% | $5,404-94.4% |