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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 | $15,044 | $73,867-79.6% | $143,770-89.5% | $68,498-78.0% |
| Participation rate | 27.4% | 66.7%-39.3pp | 80.3%-52.9pp | 67.9%-40.5pp |
| Annual return | -25.22% | 1.01%-26.2pp | -0.04%-25.2pp | -7.84%-17.4pp |
| Employer contribution / active EE | $890 | $3,184-72.1% | $4,951-82.0% | $2,596-65.7% |
| Participant deferral / active EE | $3,096 | $3,384-8.5% | $5,638-45.1% | $4,027-23.1% |
| Admin fee / account holder | $772 | $5,755-86.6% | $14,673-94.7% | $5,403-85.7% |