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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 | $33,504 | $73,848-54.6% | $143,799-76.7% | $68,486-51.1% |
| Participation rate | 63.8% | 66.7%-2.8pp | 80.3%-16.5pp | 67.9%-4.1pp |
| Annual return | -21.92% | 0.91%-22.8pp | -0.04%-21.9pp | -7.85%-14.1pp |
| Employer contribution / active EE | $1,625 | $3,184-49.0% | $4,952-67.2% | $2,597-37.4% |
| Participant deferral / active EE | $3,425 | $3,385+1.2% | $5,638-39.3% | $4,028-15.0% |
| Admin fee / account holder | $5,113 | $5,755-11.2% | $14,677-65.2% | $5,404-5.4% |