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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 | $20,146 | $65,092-69.0% | $143,799-86.0% | $66,938-69.9% |
| Participation rate | 21.3% | 65.2%-43.9pp | 80.3%-59.0pp | 69.8%-48.5pp |
| Annual return | -19.62% | -11.14%-8.5pp | -0.04%-19.6pp | 1.58%-21.2pp |
| Employer contribution / active EE | $569 | $2,362-75.9% | $4,952-88.5% | $2,545-77.6% |
| Participant deferral / active EE | $1,742 | $2,920-40.3% | $5,638-69.1% | $4,238-58.9% |
| Admin fee / account holder | $1,799 | $502+258.2% | $14,677-87.7% | $594+203.2% |