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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 | $23,299 | $73,848-68.4% | $143,799-83.8% | $68,486-66.0% |
| Participation rate | 34.9% | 66.7%-31.7pp | 80.3%-45.4pp | 67.9%-33.0pp |
| Annual return | -27.40% | 0.91%-28.3pp | -0.04%-27.4pp | -7.85%-19.5pp |
| Employer contribution / active EE | $510 | $3,184-84.0% | $4,952-89.7% | $2,597-80.4% |
| Participant deferral / active EE | $1,069 | $3,385-68.4% | $5,638-81.0% | $4,028-73.5% |
| Admin fee / account holder | $620 | $5,755-89.2% | $14,677-95.8% | $5,404-88.5% |