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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 | $25,968 | $41,377-37.2% | $109,313-76.2% | $62,881-58.7% |
| Participation rate | 60.0% | 57.5%+2.5pp | 71.3%-11.3pp | 69.3%-9.3pp |
| Annual return | -4.60% | 11.05%-15.6pp | 22.07%-26.7pp | 20.14%-24.7pp |
| Employer contribution / active EE | $656 | $1,276-48.6% | $3,892-83.1% | $2,281-71.2% |
| Participant deferral / active EE | $1,813 | $2,045-11.4% | $3,166-42.8% | $3,203-43.4% |
| Admin fee / account holder | $3,282 | $2,884+13.8% | $5,666-42.1% | $4,296-23.6% |