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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 | $29,470 | $59,191-50.2% | $76,767-61.6% | $56,289-47.6% |
| Participation rate | 34.3% | 75.2%-40.9pp | 77.0%-42.7pp | 69.9%-35.6pp |
| Annual return | -8.03% | 6.62%-14.6pp | 2.43%-10.5pp | -9.96%+1.9pp |
| Employer contribution / active EE | $712 | $1,759-59.5% | $2,485-71.4% | $2,111-66.3% |
| Participant deferral / active EE | $1,904 | $3,255-41.5% | $3,852-50.6% | $3,350-43.2% |
| Admin fee / account holder | $2,953 | $489+503.7% | $6,675-55.8% | $521+466.9% |