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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 | $41,550 | $71,872-42.2% | $86,691-52.1% | $68,495-39.3% |
| Participation rate | 29.8% | 72.2%-42.4pp | 76.6%-46.8pp | 67.9%-38.1pp |
| Annual return | -20.47% | 3.53%-24.0pp | 35.94%-56.4pp | -7.84%-12.6pp |
| Employer contribution / active EE | $684 | $2,173-68.5% | $2,837-75.9% | $2,596-73.7% |
| Participant deferral / active EE | $2,015 | $3,779-46.7% | $4,656-56.7% | $4,028-50.0% |
| Admin fee / account holder | $517 | $6,112-91.5% | $7,492-93.1% | $5,403-90.4% |