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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 | $15,417 | $49,280-68.7% | $67,313-77.1% | $64,173-76.0% |
| Participation rate | 51.6% | 60.8%-9.2pp | 69.1%-17.5pp | 69.6%-18.0pp |
| Annual return | -10.45% | -1.39%-9.1pp | -4.08%-6.4pp | 7.63%-18.1pp |
| Employer contribution / active EE | $1,154 | $1,668-30.8% | $2,566-55.0% | $2,381-51.5% |
| Participant deferral / active EE | $1,647 | $2,484-33.7% | $3,568-53.9% | $3,470-52.5% |
| Admin fee / account holder | $1,705 | $3,863-55.9% | $4,507-62.2% | $4,887-65.1% |