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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 | $30,699 | $59,813-48.7% | $79,580-61.4% | $68,486-55.2% |
| Participation rate | 39.7% | 61.1%-21.4pp | 69.5%-29.8pp | 67.9%-28.2pp |
| Annual return | -20.05% | -12.30%-7.8pp | 0.15%-20.2pp | -7.85%-12.2pp |
| Employer contribution / active EE | $493 | $1,505-67.3% | $2,413-79.6% | $2,597-81.0% |
| Participant deferral / active EE | $3,975 | $3,024+31.4% | $3,985-0.3% | $4,028-1.3% |
| Admin fee / account holder | $8,031 | $4,835+66.1% | $6,835+17.5% | $5,404+48.6% |