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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 | $11,542 | $45,872-74.8% | $77,096-85.0% | $68,486-83.1% |
| Participation rate | 28.6% | 55.9%-27.4pp | 67.9%-39.4pp | 67.9%-39.3pp |
| Annual return | -30.80% | 1.73%-32.5pp | 42.35%-73.2pp | -7.85%-22.9pp |
| Employer contribution / active EE | $879 | $1,650-46.7% | $2,814-68.8% | $2,597-66.1% |
| Participant deferral / active EE | $1,810 | $2,963-38.9% | $4,429-59.1% | $4,028-55.1% |
| Admin fee / account holder | $445 | $3,041-85.4% | $5,428-91.8% | $5,404-91.8% |