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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 | $13,621 | $27,632-50.7% | $61,399-77.8% | $68,495-80.1% |
| Participation rate | 35.2% | 39.5%-4.3pp | 52.6%-17.4pp | 67.9%-32.7pp |
| Annual return | -25.12% | -13.24%-11.9pp | 338.81%-363.9pp | -7.84%-17.3pp |
| Employer contribution / active EE | $561 | $696-19.4% | $1,159-51.6% | $2,596-78.4% |
| Participant deferral / active EE | $1,356 | $1,264+7.3% | $2,124-36.2% | $4,028-66.3% |
| Admin fee / account holder | $646 | $2,010-67.9% | $2,131-69.7% | $5,403-88.0% |