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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 | $12,970 | $32,037-59.5% | $69,182-81.3% | $62,881-79.4% |
| Participation rate | 63.3% | 43.4%+19.8pp | 55.1%+8.2pp | 69.3%-6.0pp |
| Annual return | 3.30% | 15.16%-11.9pp | -21.93%+25.2pp | 20.14%-16.8pp |
| Employer contribution / active EE | $1,271 | $679+87.2% | $1,206+5.4% | $2,281-44.3% |
| Participant deferral / active EE | $571 | $1,185-51.8% | $1,897-69.9% | $3,203-82.2% |
| Admin fee / account holder | $7,053 | $2,608+170.4% | $2,697+161.5% | $4,296+64.2% |