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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 | $4,693 | $27,632-83.0% | $61,452-92.4% | $68,486-93.1% |
| Participation rate | 23.1% | 39.5%-16.4pp | 52.6%-29.5pp | 67.9%-44.8pp |
| Annual return | -25.55% | -13.24%-12.3pp | 338.96%-364.5pp | -7.85%-17.7pp |
| Employer contribution / active EE | $454 | $696-34.7% | $1,160-60.8% | $2,597-82.5% |
| Participant deferral / active EE | $558 | $1,264-55.8% | $2,125-73.7% | $4,028-86.1% |
| Admin fee / account holder | $1,247 | $2,010-38.0% | $2,131-41.5% | $5,404-76.9% |