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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 | $12,495 | $95,188-86.9% | $76,518-83.7% | $135,380-90.8% |
| Participation rate | 64.3% | 74.4%-10.1pp | 68.0%-3.7pp | 82.6%-18.4pp |
| Annual return | -16.66% | 4.85%-21.5pp | -0.27%-16.4pp | 519.81%-536.5pp |
| Employer contribution / active EE | $0 | $3,303-100.0% | $2,647-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $5,451 | $4,640+17.5% | $3,836+42.1% | $5,609-2.8% |
| Admin fee / account holder | $567 | $6,249-90.9% | $4,849-88.3% | $10,828-94.8% |