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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 | $14,600 | $73,848-80.2% | $143,799-89.8% | $68,486-78.7% |
| Participation rate | 9.1% | 66.7%-57.6pp | 80.3%-71.2pp | 67.9%-58.8pp |
| Annual return | -25.74% | 0.91%-26.6pp | -0.04%-25.7pp | -7.85%-17.9pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,937 | $3,385-42.8% | $5,638-65.6% | $4,028-51.9% |
| Admin fee / account holder | $2,038 | $5,755-64.6% | $14,677-86.1% | $5,404-62.3% |