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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 | $26,909 | $61,660-56.4% | $80,022-66.4% | $64,173-58.1% |
| Participation rate | 22.2% | 71.7%-49.5pp | 75.8%-53.6pp | 69.6%-47.3pp |
| Annual return | -19.95% | -0.33%-19.6pp | 11.22%-31.2pp | 7.63%-27.6pp |
| Employer contribution / active EE | $987 | $1,810-45.5% | $2,468-60.0% | $2,381-58.6% |
| Participant deferral / active EE | $2,727 | $2,968-8.1% | $3,686-26.0% | $3,470-21.4% |
| Admin fee / account holder | $352 | $5,417-93.5% | $6,521-94.6% | $4,887-92.8% |