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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 | $40,721 | $64,729-37.1% | $112,263-63.7% | $68,490-40.5% |
| Participation rate | 25.9% | 67.2%-41.2pp | 75.1%-49.1pp | 67.9%-42.0pp |
| Annual return | -22.99% | -11.40%-11.6pp | 27.49%-50.5pp | -7.85%-15.1pp |
| Employer contribution / active EE | $1,592 | $2,746-42.0% | $3,636-56.2% | $2,597-38.7% |
| Participant deferral / active EE | $3,190 | $3,566-10.5% | $4,729-32.6% | $4,028-20.8% |
| Admin fee / account holder | $915 | $5,222-82.5% | $6,410-85.7% | $5,403-83.1% |