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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 | $23,372 | $42,909-45.5% | $60,906-61.6% | $68,486-65.9% |
| Participation rate | 44.4% | 66.8%-22.3pp | 73.1%-28.7pp | 67.9%-23.4pp |
| Annual return | -22.63% | -13.99%-8.6pp | 16.94%-39.6pp | -7.85%-14.8pp |
| Employer contribution / active EE | $419 | $1,979-78.8% | $2,703-84.5% | $2,597-83.9% |
| Participant deferral / active EE | $1,149 | $2,866-59.9% | $3,814-69.9% | $4,028-71.5% |
| Admin fee / account holder | $1,003 | $3,104-67.7% | $3,227-68.9% | $5,404-81.4% |