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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 | $29,433 | $72,177-59.2% | $115,038-74.4% | $59,633-50.6% |
| Participation rate | 46.4% | 72.6%-26.1pp | 81.4%-34.9pp | 68.7%-22.2pp |
| Annual return | -2.94% | 12.02%-15.0pp | 26.14%-29.1pp | 2041.45%-2044.4pp |
| Employer contribution / active EE | $935 | $2,841-67.1% | $4,608-79.7% | $2,203-57.5% |
| Participant deferral / active EE | $2,438 | $4,783-49.0% | $6,026-59.5% | $3,192-23.6% |
| Admin fee / account holder | $2,127 | $4,927-56.8% | $8,175-74.0% | $4,297-50.5% |