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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 | $16,427 | $73,863-77.8% | $143,797-88.6% | $68,490-76.0% |
| Participation rate | 68.4% | 66.7%+1.8pp | 80.3%-11.9pp | 67.9%+0.5pp |
| Annual return | -88.15% | 0.91%-89.1pp | -0.04%-88.1pp | -7.85%-80.3pp |
| Employer contribution / active EE | $1,429 | $3,185-55.1% | $4,952-71.2% | $2,597-45.0% |
| Participant deferral / active EE | $6,486 | $3,385+91.6% | $5,638+15.0% | $4,028+61.0% |
| Admin fee / account holder | $2,104 | $5,756-63.4% | $14,679-85.7% | $5,403-61.1% |