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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 | $10,823 | $42,910-74.8% | $60,919-82.2% | $68,490-84.2% |
| Participation rate | 64.3% | 66.8%-2.5pp | 73.1%-8.8pp | 67.9%-3.6pp |
| Annual return | -20.11% | -13.99%-6.1pp | 16.96%-37.1pp | -7.85%-12.3pp |
| Employer contribution / active EE | $705 | $1,978-64.4% | $2,704-73.9% | $2,597-72.9% |
| Participant deferral / active EE | $2,028 | $2,866-29.2% | $3,814-46.8% | $4,028-49.7% |
| Admin fee / account holder | $542 | $3,104-82.5% | $3,228-83.2% | $5,403-90.0% |