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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 | $42,999 | $57,352-25.0% | $83,831-48.7% | $64,173-33.0% |
| Participation rate | 15.6% | 68.6%-53.0pp | 76.1%-60.6pp | 69.6%-54.0pp |
| Annual return | -10.38% | 11.38%-21.8pp | 850.99%-861.4pp | 7.63%-18.0pp |
| Employer contribution / active EE | $693 | $2,546-72.8% | $3,631-80.9% | $2,381-70.9% |
| Participant deferral / active EE | $2,441 | $2,993-18.5% | $4,082-40.2% | $3,470-29.7% |
| Admin fee / account holder | $2,866 | $4,046-29.2% | $5,479-47.7% | $4,887-41.4% |