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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 | $19,491 | $73,863-73.6% | $143,797-86.4% | $68,490-71.5% |
| Participation rate | 18.2% | 66.7%-48.5pp | 80.3%-62.1pp | 67.9%-49.7pp |
| Annual return | -20.48% | 0.91%-21.4pp | -0.04%-20.4pp | -7.85%-12.6pp |
| Employer contribution / active EE | $490 | $3,185-84.6% | $4,952-90.1% | $2,597-81.1% |
| Participant deferral / active EE | $2,010 | $3,385-40.6% | $5,638-64.3% | $4,028-50.1% |
| Admin fee / account holder | $1,403 | $5,756-75.6% | $14,679-90.4% | $5,403-74.0% |