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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 | $14,488 | $48,235-70.0% | $68,803-78.9% | $68,490-78.8% |
| Participation rate | 62.7% | 60.7%+2.1pp | 69.0%-6.3pp | 67.9%-5.2pp |
| Annual return | -21.41% | -12.70%-8.7pp | -6.37%-15.0pp | -7.85%-13.6pp |
| Employer contribution / active EE | $1,257 | $1,829-31.3% | $2,656-52.7% | $2,597-51.6% |
| Participant deferral / active EE | $2,602 | $2,867-9.2% | $3,942-34.0% | $4,028-35.4% |
| Admin fee / account holder | $1,438 | $4,361-67.0% | $4,936-70.9% | $5,403-73.4% |