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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 | $56,171 | $99,345-43.5% | $84,753-33.7% | $273,972-79.5% |
| Participation rate | 60.0% | 80.7%-20.7pp | 76.6%-16.6pp | 83.0%-23.0pp |
| Annual return | -7.49% | 22.93%-30.4pp | 22.78%-30.3pp | 41.46%-48.9pp |
| Employer contribution / active EE | $1,405 | $4,214-66.6% | $3,574-60.7% | $4,869-71.1% |
| Participant deferral / active EE | $2,699 | $4,270-36.8% | $3,712-27.3% | $5,287-49.0% |
| Admin fee / account holder | $397 | $6,645-94.0% | $5,333-92.6% | $10,133-96.1% |