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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 | $15,582 | $75,962-79.5% | $154,111-89.9% | $64,173-75.7% |
| Participation rate | 52.7% | 70.4%-17.7pp | 83.0%-30.3pp | 69.6%-16.9pp |
| Annual return | -8.42% | 30.32%-38.7pp | 735.18%-743.6pp | 7.63%-16.1pp |
| Employer contribution / active EE | $886 | $3,350-73.5% | $5,298-83.3% | $2,381-62.8% |
| Participant deferral / active EE | $2,405 | $3,175-24.2% | $5,081-52.7% | $3,470-30.7% |
| Admin fee / account holder | $2,353 | $5,589-57.9% | $13,411-82.5% | $4,887-51.9% |