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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 | $20,306 | $34,316-40.8% | $74,722-72.8% | $72,975-72.2% |
| Participation rate | 50.9% | 42.4%+8.5pp | 54.5%-3.5pp | 69.5%-18.5pp |
| Annual return | -0.50% | 26.58%-27.1pp | 753.11%-753.6pp | 81.01%-81.5pp |
| Employer contribution / active EE | $281 | $692-59.4% | $1,084-74.1% | $2,440-88.5% |
| Participant deferral / active EE | $827 | $1,272-35.0% | $1,963-57.9% | $3,608-77.1% |
| Admin fee / account holder | $395 | $2,125-81.4% | $3,335-88.2% | $5,124-92.3% |