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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 | $34,511 | $43,344-20.4% | $59,899-42.4% | $64,173-46.2% |
| Participation rate | 51.9% | 69.2%-17.3pp | 74.7%-22.8pp | 69.6%-17.7pp |
| Annual return | -10.26% | -1.55%-8.7pp | 3.46%-13.7pp | 7.63%-17.9pp |
| Employer contribution / active EE | $0 | $2,030-100.0% | $2,723-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,760 | $2,547+47.6% | $3,402+10.5% | $3,470+8.4% |
| Admin fee / account holder | $4,790 | $3,008+59.2% | $3,592+33.4% | $4,887-2.0% |