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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 | $27,404 | $39,036-29.8% | $80,784-66.1% | $85,851-68.1% |
| Participation rate | 44.4% | 41.6%+2.9pp | 54.2%-9.7pp | 69.3%-24.9pp |
| Annual return | 10.85% | 26.31%-15.5pp | 87.31%-76.5pp | 318.63%-307.8pp |
| Employer contribution / active EE | $706 | $722-2.3% | $1,160-39.1% | $2,565-72.5% |
| Participant deferral / active EE | $1,018 | $1,326-23.2% | $2,145-52.5% | $3,952-74.2% |
| Admin fee / account holder | $8,636 | $2,429+255.6% | $3,380+155.5% | $6,261+37.9% |