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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 | $11,921 | $42,910-72.2% | $60,919-80.4% | $68,490-82.6% |
| Participation rate | 31.8% | 66.8%-34.9pp | 73.1%-41.3pp | 67.9%-36.1pp |
| Annual return | -19.58% | -13.99%-5.6pp | 16.96%-36.5pp | -7.85%-11.7pp |
| Employer contribution / active EE | $756 | $1,978-61.8% | $2,704-72.0% | $2,597-70.9% |
| Participant deferral / active EE | $1,973 | $2,866-31.2% | $3,814-48.3% | $4,028-51.0% |
| Admin fee / account holder | $1,833 | $3,104-41.0% | $3,228-43.2% | $5,403-66.1% |