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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 | $28,978 | $56,339-48.6% | $104,301-72.2% | $68,486-57.7% |
| Participation rate | 57.1% | 63.3%-6.1pp | 73.3%-16.1pp | 67.9%-10.8pp |
| Annual return | -20.18% | -9.19%-11.0pp | 24.61%-44.8pp | -7.85%-12.3pp |
| Employer contribution / active EE | $1,654 | $1,960-15.6% | $3,373-51.0% | $2,597-36.3% |
| Participant deferral / active EE | $3,631 | $3,077+18.0% | $4,626-21.5% | $4,028-9.8% |
| Admin fee / account holder | $1,300 | $4,902-73.5% | $7,340-82.3% | $5,404-75.9% |