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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 | $63,305 | $73,863-14.3% | $143,797-56.0% | $68,490-7.6% |
| Participation rate | 42.3% | 66.7%-24.4pp | 80.3%-38.0pp | 67.9%-25.6pp |
| Annual return | -21.25% | 0.91%-22.2pp | -0.04%-21.2pp | -7.85%-13.4pp |
| Employer contribution / active EE | $1,115 | $3,185-65.0% | $4,952-77.5% | $2,597-57.1% |
| Participant deferral / active EE | $2,579 | $3,385-23.8% | $5,638-54.3% | $4,028-36.0% |
| Admin fee / account holder | $32,355 | $5,756+462.1% | $14,679+120.4% | $5,403+498.8% |