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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 | $5,418 | $32,714-83.4% | - | $75,177-92.8% |
| Participation rate | 51.7% | 52.5%-0.8pp | - | 67.2%-15.5pp |
| Annual return | -2.78% | 25.21%-28.0pp | - | 160.75%-163.5pp |
| Employer contribution / active EE | $199 | $1,809-89.0% | - | $2,671-92.5% |
| Participant deferral / active EE | $1,130 | $2,266-50.1% | - | $4,126-72.6% |
| Admin fee / account holder | $4,267 | $3,179+34.3% | - | $5,651-24.5% |