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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 | $14,022 | $90,486-84.5% | $78,676-82.2% | $273,972-94.9% |
| Participation rate | 58.3% | 76.5%-18.2pp | 73.6%-15.2pp | 83.0%-24.7pp |
| Annual return | -0.07% | 75.62%-75.7pp | 62.19%-62.3pp | 41.46%-41.5pp |
| Employer contribution / active EE | $1,703 | $3,175-46.4% | $2,850-40.2% | $4,869-65.0% |
| Participant deferral / active EE | $5,553 | $3,901+42.3% | $3,517+57.9% | $5,287+5.0% |
| Admin fee / account holder | $331 | $5,263-93.7% | $4,510-92.7% | $10,133-96.7% |