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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 | $27,984 | $49,177-43.1% | $79,467-64.8% | $64,173-56.4% |
| Participation rate | 67.6% | 65.0%+2.6pp | 73.3%-5.7pp | 69.6%-1.9pp |
| Annual return | -8.51% | -1.16%-7.3pp | 718.30%-726.8pp | 7.63%-16.1pp |
| Employer contribution / active EE | $865 | $2,076-58.4% | $2,800-69.1% | $2,381-63.7% |
| Participant deferral / active EE | $1,745 | $2,821-38.2% | $3,704-52.9% | $3,470-49.7% |
| Admin fee / account holder | $4,069 | $3,839+6.0% | $5,104-20.3% | $4,887-16.8% |