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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 | $13,853 | $32,117-56.9% | $71,086-80.5% | $64,181-78.4% |
| Participation rate | 55.8% | 42.7%+13.1pp | 54.7%+1.2pp | 69.6%-13.8pp |
| Annual return | -13.62% | -5.57%-8.0pp | 650.59%-664.2pp | 7.63%-21.3pp |
| Employer contribution / active EE | $993 | $712+39.4% | $1,088-8.7% | $2,381-58.3% |
| Participant deferral / active EE | $2,512 | $1,263+98.9% | $1,874+34.0% | $3,470-27.6% |
| Admin fee / account holder | $709 | $2,759-74.3% | $3,082-77.0% | $4,887-85.5% |