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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 | $23,273 | $62,586-62.8% | $76,766-69.7% | $64,181-63.7% |
| Participation rate | 62.0% | 72.8%-10.8pp | 77.0%-14.9pp | 69.6%-7.5pp |
| Annual return | -12.12% | -1.95%-10.2pp | 2.43%-14.5pp | 7.63%-19.7pp |
| Employer contribution / active EE | $1,029 | $1,832-43.8% | $2,485-58.6% | $2,381-56.8% |
| Participant deferral / active EE | $1,615 | $3,145-48.6% | $3,851-58.1% | $3,470-53.5% |
| Admin fee / account holder | $421 | $4,667-91.0% | $6,675-93.7% | $4,887-91.4% |