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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 | $37,917 | $71,480-47.0% | $90,782-58.2% | $64,173-40.9% |
| Participation rate | 53.3% | 77.6%-24.2pp | 82.7%-29.3pp | 69.6%-16.2pp |
| Annual return | -9.05% | -4.25%-4.8pp | -3.42%-5.6pp | 7.63%-16.7pp |
| Employer contribution / active EE | $993 | $3,415-70.9% | $4,105-75.8% | $2,381-58.3% |
| Participant deferral / active EE | $4,701 | $4,302+9.3% | $5,366-12.4% | $3,470+35.5% |
| Admin fee / account holder | $1,014 | $6,309-83.9% | $5,908-82.8% | $4,887-79.2% |