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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 | $21,459 | $73,839-70.9% | $143,788-85.1% | $68,495-68.7% |
| Participation rate | 33.3% | 66.7%-33.3pp | 80.3%-47.0pp | 67.9%-34.6pp |
| Annual return | -20.58% | 1.01%-21.6pp | -0.03%-20.5pp | -7.84%-12.7pp |
| Employer contribution / active EE | $914 | $3,184-71.3% | $4,952-81.5% | $2,596-64.8% |
| Participant deferral / active EE | $2,044 | $3,384-39.6% | $5,638-63.7% | $4,028-49.2% |
| Admin fee / account holder | $5,191 | $5,755-9.8% | $14,675-64.6% | $5,403-3.9% |