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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 | $44,049 | $52,911-16.7% | $73,309-39.9% | $59,633-26.1% |
| Participation rate | 52.3% | 68.2%-15.9pp | 74.9%-22.6pp | 68.7%-16.3pp |
| Annual return | -3.11% | 12.20%-15.3pp | 5.67%-8.8pp | 2041.40%-2044.5pp |
| Employer contribution / active EE | $0 | $1,909-100.0% | $3,237-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,609 | $4,069-11.3% | $4,991-27.7% | $3,192+13.1% |
| Admin fee / account holder | $3,155 | $3,835-17.7% | $5,635-44.0% | $4,297-26.6% |