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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 | $37,072 | $79,955-53.6% | $98,461-62.3% | $75,173-50.7% |
| Participation rate | 52.8% | 70.4%-17.5pp | 75.2%-22.3pp | 67.2%-14.4pp |
| Annual return | -9.17% | 19.75%-28.9pp | 21.17%-30.3pp | 160.72%-169.9pp |
| Employer contribution / active EE | $0 | $2,264-100.0% | $3,049-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,763 | $3,752-53.0% | $4,738-62.8% | $4,126-57.3% |
| Admin fee / account holder | $8,756 | $6,841+28.0% | $8,961-2.3% | $5,651+55.0% |