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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 | $46,197 | $87,546-47.2% | $75,784-39.0% | $125,389-63.2% |
| Participation rate | 50.0% | 80.2%-30.2pp | 75.8%-25.8pp | 83.2%-33.2pp |
| Annual return | -3.90% | 13.49%-17.4pp | 9.68%-13.6pp | 282.24%-286.1pp |
| Employer contribution / active EE | $0 | $3,930-100.0% | $3,323-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $1,392 | $4,230-67.1% | $3,652-61.9% | $5,352-74.0% |
| Admin fee / account holder | $1,957 | $6,503-69.9% | $5,300-63.1% | $9,541-79.5% |