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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 | $27,669 | $60,349-54.2% | $74,184-62.7% | $62,881-56.0% |
| Participation rate | 49.3% | 72.7%-23.5pp | 76.6%-27.4pp | 69.3%-20.1pp |
| Annual return | -13.68% | 21.38%-35.1pp | 17.74%-31.4pp | 20.14%-33.8pp |
| Employer contribution / active EE | $482 | $1,680-71.3% | $2,370-79.6% | $2,281-78.8% |
| Participant deferral / active EE | $3,776 | $2,856+32.2% | $3,550+6.4% | $3,203+17.9% |
| Admin fee / account holder | $12,607 | $4,261+195.9% | $5,586+125.7% | $4,296+193.5% |