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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 | $23,194 | $46,360-50.0% | $147,618-84.3% | $52,331-55.7% |
| Participation rate | 15.0% | 64.9%-49.9pp | 84.6%-69.6pp | 68.1%-53.1pp |
| Annual return | -2.78% | 1.62%-4.4pp | 61.98%-64.8pp | 4.54%-7.3pp |
| Employer contribution / active EE | $303 | $2,126-85.7% | $5,565-94.6% | $1,882-83.9% |
| Participant deferral / active EE | $657 | $2,258-70.9% | $4,895-86.6% | $3,022-78.3% |
| Admin fee / account holder | $1,658 | $766+116.5% | $11,612-85.7% | $592+180.2% |