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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 | $48,237 | $69,977-31.1% | $108,582-55.6% | $62,881-23.3% |
| Participation rate | 68.0% | 72.9%-4.9pp | 79.6%-11.6pp | 69.3%-1.3pp |
| Annual return | -2.16% | 10.73%-12.9pp | -51.70%+49.5pp | 20.14%-22.3pp |
| Employer contribution / active EE | $2,443 | $2,135+14.4% | $3,758-35.0% | $2,281+7.1% |
| Participant deferral / active EE | $5,636 | $3,165+78.1% | $4,311+30.7% | $3,203+76.0% |
| Admin fee / account holder | $57,976 | $5,076+1042.1% | $7,645+658.3% | $4,296+1249.6% |