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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 | $16,817 | $47,977-64.9% | $154,108-89.1% | $56,289-70.1% |
| Participation rate | 32.2% | 66.2%-34.0pp | 83.0%-50.8pp | 69.9%-37.6pp |
| Annual return | -13.90% | 3.54%-17.4pp | 735.21%-749.1pp | -9.96%-3.9pp |
| Employer contribution / active EE | $0 | $2,169-100.0% | $5,298-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $2,198 | $2,392-8.1% | $5,081-56.7% | $3,350-34.4% |
| Admin fee / account holder | $2,262 | $438+416.3% | $13,411-83.1% | $521+334.3% |