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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 | $9,561 | $45,872-79.2% | $77,096-87.6% | $68,486-86.0% |
| Participation rate | 24.2% | 55.9%-31.7pp | 67.9%-43.7pp | 67.9%-43.7pp |
| Annual return | -72.68% | 1.73%-74.4pp | 42.35%-115.0pp | -7.85%-64.8pp |
| Employer contribution / active EE | $656 | $1,650-60.2% | $2,814-76.7% | $2,597-74.7% |
| Participant deferral / active EE | $1,715 | $2,963-42.1% | $4,429-61.3% | $4,028-57.4% |
| Admin fee / account holder | $468 | $3,041-84.6% | $5,428-91.4% | $5,404-91.3% |