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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 | $23,688 | $77,817-69.6% | $123,553-80.8% | $64,173-63.1% |
| Participation rate | 53.1% | 74.7%-21.6pp | 82.3%-29.2pp | 69.6%-16.5pp |
| Annual return | -12.62% | 12.49%-25.1pp | 119.21%-131.8pp | 7.63%-20.3pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $6,666 | $5,240+27.2% | $6,426+3.7% | $3,470+92.1% |
| Admin fee / account holder | $367 | $5,519-93.3% | $9,284-96.0% | $4,887-92.5% |