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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 | $51,064 | $45,872+11.3% | $77,081-33.8% | $68,495-25.4% |
| Participation rate | 12.0% | 55.9%-43.9pp | 67.9%-55.9pp | 67.9%-55.9pp |
| Annual return | -20.49% | 1.73%-22.2pp | 42.33%-62.8pp | -7.84%-12.7pp |
| Employer contribution / active EE | $399 | $1,650-75.8% | $2,813-85.8% | $2,596-84.6% |
| Participant deferral / active EE | $1,670 | $2,963-43.6% | $4,428-62.3% | $4,028-58.5% |
| Admin fee / account holder | $371 | $3,041-87.8% | $5,427-93.2% | $5,403-93.1% |