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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 | $24,729 | $211,946-88.3% | $169,452-85.4% | $135,380-81.7% |
| Participation rate | 30.8% | 82.6%-51.9pp | 77.8%-47.0pp | 82.6%-51.9pp |
| Annual return | -9.34% | 3.26%-12.6pp | 1.83%-11.2pp | 519.81%-529.1pp |
| Employer contribution / active EE | $497 | $5,117-90.3% | $4,157-88.0% | $4,779-89.6% |
| Participant deferral / active EE | $2,086 | $6,075-65.7% | $5,277-60.5% | $5,609-62.8% |
| Admin fee / account holder | $1,204 | $11,472-89.5% | $9,110-86.8% | $10,828-88.9% |