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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 | $34,915 | $63,442-45.0% | $68,794-49.2% | $66,930-47.8% |
| Participation rate | 63.0% | 60.0%+3.0pp | 69.0%-6.1pp | 69.8%-6.8pp |
| Annual return | -18.86% | -8.29%-10.6pp | -6.37%-12.5pp | 1.57%-20.4pp |
| Employer contribution / active EE | $967 | $1,775-45.5% | $2,656-63.6% | $2,545-62.0% |
| Participant deferral / active EE | $1,987 | $2,945-32.5% | $3,941-49.6% | $4,238-53.1% |
| Admin fee / account holder | $1,119 | $577+93.9% | $4,934-77.3% | $593+88.6% |