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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 | $44,083 | $72,177-38.9% | $115,037-61.7% | $59,632-26.1% |
| Participation rate | 51.1% | 72.6%-21.5pp | 81.4%-30.3pp | 68.7%-17.6pp |
| Annual return | -3.27% | 12.02%-15.3pp | 26.14%-29.4pp | 2041.32%-2044.6pp |
| Employer contribution / active EE | $1,443 | $2,841-49.2% | $4,608-68.7% | $2,203-34.5% |
| Participant deferral / active EE | $3,174 | $4,783-33.6% | $6,026-47.3% | $3,192-0.6% |
| Admin fee / account holder | $1,506 | $4,927-69.4% | $8,175-81.6% | $4,297-64.9% |