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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 | $27,473 | $32,037-14.2% | $69,182-60.3% | $62,881-56.3% |
| Participation rate | 42.6% | 43.4%-0.8pp | 55.1%-12.5pp | 69.3%-26.7pp |
| Annual return | -3.66% | 15.16%-18.8pp | -21.93%+18.3pp | 20.14%-23.8pp |
| Employer contribution / active EE | $671 | $679-1.2% | $1,206-44.4% | $2,281-70.6% |
| Participant deferral / active EE | $1,199 | $1,185+1.1% | $1,897-36.8% | $3,203-62.6% |
| Admin fee / account holder | $1,055 | $2,608-59.5% | $2,697-60.9% | $4,296-75.4% |