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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 | $19,361 | $105,867-81.7% | $90,760-78.7% | $134,532-85.6% |
| Participation rate | 37.5% | 78.3%-40.8pp | 75.7%-38.2pp | 81.2%-43.7pp |
| Annual return | -21.28% | -10.99%-10.3pp | -12.16%-9.1pp | 418.27%-439.5pp |
| Employer contribution / active EE | $851 | $3,464-75.4% | $2,922-70.9% | $4,741-82.1% |
| Participant deferral / active EE | $2,405 | $5,217-53.9% | $4,565-47.3% | $6,401-62.4% |
| Admin fee / account holder | $2,848 | $13,936-79.6% | $8,444-66.3% | $11,429-75.1% |