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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 | $13,795 | $73,848-81.3% | $143,799-90.4% | $68,486-79.9% |
| Participation rate | 34.6% | 66.7%-32.0pp | 80.3%-45.7pp | 67.9%-33.3pp |
| Annual return | -25.61% | 0.91%-26.5pp | -0.04%-25.6pp | -7.85%-17.8pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,527 | $3,385-25.3% | $5,638-55.2% | $4,028-37.3% |
| Admin fee / account holder | $1,141 | $5,755-80.2% | $14,677-92.2% | $5,404-78.9% |