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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 | $31,022 | $81,870-62.1% | $119,634-74.1% | $68,490-54.7% |
| Participation rate | 55.3% | 71.9%-16.6pp | 79.3%-23.9pp | 67.9%-12.6pp |
| Annual return | -19.08% | -23.82%+4.7pp | -14.98%-4.1pp | -7.85%-11.2pp |
| Employer contribution / active EE | $1,656 | $2,692-38.5% | $4,232-60.9% | $2,597-36.2% |
| Participant deferral / active EE | $3,189 | $4,148-23.1% | $5,601-43.1% | $4,028-20.8% |
| Admin fee / account holder | $1,173 | $6,583-82.2% | $10,329-88.6% | $5,403-78.3% |