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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 | $53,708 | $73,009-26.4% | $90,760-40.8% | $68,486-21.6% |
| Participation rate | 60.0% | 70.8%-10.8pp | 75.7%-15.7pp | 67.9%-7.9pp |
| Annual return | -20.03% | -13.81%-6.2pp | -12.16%-7.9pp | -7.85%-12.2pp |
| Employer contribution / active EE | $1,053 | $2,193-52.0% | $2,922-63.9% | $2,597-59.4% |
| Participant deferral / active EE | $1,955 | $3,626-46.1% | $4,565-57.2% | $4,028-51.4% |
| Admin fee / account holder | $20,390 | $5,896+245.9% | $8,444+141.5% | $5,404+277.3% |