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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 | $15,794 | $75,935-79.2% | $60,547-73.9% | $125,389-87.4% |
| Participation rate | 57.1% | 76.5%-19.4pp | 68.0%-10.8pp | 83.2%-26.0pp |
| Annual return | -8.53% | -5.38%-3.2pp | 335.64%-344.2pp | 282.24%-290.8pp |
| Employer contribution / active EE | $988 | $3,438-71.3% | $2,419-59.2% | $4,866-79.7% |
| Participant deferral / active EE | $4,490 | $4,506-0.4% | $3,328+34.9% | $5,352-16.1% |
| Admin fee / account holder | $1,841 | $6,768-72.8% | $4,536-59.4% | $9,541-80.7% |