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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 | $10,965 | $48,235-77.3% | $68,803-84.1% | $68,490-84.0% |
| Participation rate | 42.3% | 60.7%-18.4pp | 69.0%-26.7pp | 67.9%-25.6pp |
| Annual return | -20.53% | -12.70%-7.8pp | -6.37%-14.2pp | -7.85%-12.7pp |
| Employer contribution / active EE | $760 | $1,829-58.4% | $2,656-71.4% | $2,597-70.7% |
| Participant deferral / active EE | $1,799 | $2,867-37.2% | $3,942-54.4% | $4,028-55.3% |
| Admin fee / account holder | $1,720 | $4,361-60.6% | $4,936-65.1% | $5,403-68.2% |