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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 | $55,265 | $73,848-25.2% | $143,799-61.6% | $68,486-19.3% |
| Participation rate | 36.7% | 66.7%-29.9pp | 80.3%-43.6pp | 67.9%-31.2pp |
| Annual return | -21.78% | 0.91%-22.7pp | -0.04%-21.7pp | -7.85%-13.9pp |
| Employer contribution / active EE | $1,290 | $3,184-59.5% | $4,952-73.9% | $2,597-50.3% |
| Participant deferral / active EE | $2,813 | $3,385-16.9% | $5,638-50.1% | $4,028-30.2% |
| Admin fee / account holder | $5,588 | $5,755-2.9% | $14,677-61.9% | $5,404+3.4% |