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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 | $42,867 | $58,600-26.8% | $83,327-48.6% | $64,173-33.2% |
| Participation rate | 47.9% | 72.0%-24.1pp | 77.8%-29.8pp | 69.6%-21.6pp |
| Annual return | -9.08% | 9.66%-18.7pp | 10.64%-19.7pp | 7.63%-16.7pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,073 | $4,656-34.0% | $5,565-44.8% | $3,470-11.4% |
| Admin fee / account holder | $1,209 | $9,282-87.0% | $7,540-84.0% | $4,887-75.3% |