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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 | $21,329 | $43,344-50.8% | $59,899-64.4% | $64,173-66.8% |
| Participation rate | 17.9% | 69.2%-51.3pp | 74.7%-56.8pp | 69.6%-51.7pp |
| Annual return | -17.39% | -1.55%-15.8pp | 3.46%-20.9pp | 7.63%-25.0pp |
| Employer contribution / active EE | $415 | $2,030-79.5% | $2,723-84.7% | $2,381-82.6% |
| Participant deferral / active EE | $1,952 | $2,547-23.4% | $3,402-42.6% | $3,470-43.8% |
| Admin fee / account holder | $805 | $3,008-73.2% | $3,592-77.6% | $4,887-83.5% |