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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 | $11,008 | $37,463-70.6% | $77,096-85.7% | $66,938-83.6% |
| Participation rate | 38.8% | 52.9%-14.1pp | 67.9%-29.1pp | 69.8%-31.0pp |
| Annual return | -24.39% | -3.25%-21.1pp | 42.35%-66.7pp | 1.58%-26.0pp |
| Employer contribution / active EE | $1,082 | $1,535-29.5% | $2,814-61.5% | $2,545-57.5% |
| Participant deferral / active EE | $2,317 | $2,621-11.6% | $4,429-47.7% | $4,238-45.3% |
| Admin fee / account holder | $1,433 | $568+152.3% | $5,428-73.6% | $594+141.5% |