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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 | $36,309 | $62,589-42.0% | $76,768-52.7% | $64,173-43.4% |
| Participation rate | 65.9% | 72.8%-7.0pp | 77.0%-11.1pp | 69.6%-3.7pp |
| Annual return | -8.23% | -1.95%-6.3pp | 2.43%-10.7pp | 7.63%-15.9pp |
| Employer contribution / active EE | $1,241 | $1,832-32.2% | $2,485-50.0% | $2,381-47.9% |
| Participant deferral / active EE | $2,682 | $3,145-14.7% | $3,852-30.4% | $3,470-22.7% |
| Admin fee / account holder | $4,928 | $4,667+5.6% | $6,675-26.2% | $4,887+0.8% |