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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 | $16,457 | $48,267-65.9% | $68,794-76.1% | $68,495-76.0% |
| Participation rate | 62.0% | 60.7%+1.3pp | 69.0%-7.0pp | 67.9%-5.9pp |
| Annual return | -21.19% | -12.70%-8.5pp | -6.37%-14.8pp | -7.84%-13.3pp |
| Employer contribution / active EE | $1,091 | $1,829-40.3% | $2,656-58.9% | $2,596-58.0% |
| Participant deferral / active EE | $2,444 | $2,867-14.7% | $3,941-38.0% | $4,028-39.3% |
| Admin fee / account holder | $312 | $4,362-92.9% | $4,934-93.7% | $5,403-94.2% |