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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 | $17,507 | $73,863-76.3% | $143,797-87.8% | $68,490-74.4% |
| Participation rate | 25.0% | 66.7%-41.7pp | 80.3%-55.3pp | 67.9%-42.9pp |
| Annual return | -20.37% | 0.91%-21.3pp | -0.04%-20.3pp | -7.85%-12.5pp |
| Employer contribution / active EE | $715 | $3,185-77.5% | $4,952-85.6% | $2,597-72.5% |
| Participant deferral / active EE | $2,191 | $3,385-35.3% | $5,638-61.1% | $4,028-45.6% |
| Admin fee / account holder | $576 | $5,756-90.0% | $14,679-96.1% | $5,403-89.3% |