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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 | $15,915 | $25,979-38.7% | $71,778-77.8% | $68,490-76.8% |
| Participation rate | 10.8% | 54.5%-43.7pp | 62.3%-51.5pp | 67.9%-57.1pp |
| Annual return | -38.07% | -15.10%-23.0pp | 9.15%-47.2pp | -7.85%-30.2pp |
| Employer contribution / active EE | $410 | $900-54.5% | $1,704-76.0% | $2,597-84.2% |
| Participant deferral / active EE | $1,022 | $1,522-32.8% | $2,656-61.5% | $4,028-74.6% |
| Admin fee / account holder | $2,577 | $2,022+27.5% | $3,974-35.2% | $5,403-52.3% |