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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 | $20,518 | $73,863-72.2% | $143,797-85.7% | $68,490-70.0% |
| Participation rate | 45.2% | 66.7%-21.5pp | 80.3%-35.2pp | 67.9%-22.7pp |
| Annual return | -19.37% | 0.91%-20.3pp | -0.04%-19.3pp | -7.85%-11.5pp |
| Employer contribution / active EE | $748 | $3,185-76.5% | $4,952-84.9% | $2,597-71.2% |
| Participant deferral / active EE | $1,113 | $3,385-67.1% | $5,638-80.3% | $4,028-72.4% |
| Admin fee / account holder | $5,657 | $5,756-1.7% | $14,679-61.5% | $5,403+4.7% |