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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 | $52,400 | $62,583-16.3% | $76,767-31.7% | $64,173-18.3% |
| Participation rate | 45.5% | 72.8%-27.4pp | 77.0%-31.5pp | 69.6%-24.1pp |
| Annual return | -7.58% | -1.95%-5.6pp | 2.43%-10.0pp | 7.63%-15.2pp |
| Employer contribution / active EE | $1,206 | $1,832-34.2% | $2,485-51.5% | $2,381-49.4% |
| Participant deferral / active EE | $2,728 | $3,145-13.2% | $3,852-29.2% | $3,470-21.4% |
| Admin fee / account holder | $9,133 | $4,667+95.7% | $6,675+36.8% | $4,887+86.9% |