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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 | $23,414 | $99,345-76.4% | $84,753-72.4% | $273,972-91.5% |
| Participation rate | 50.0% | 80.7%-30.7pp | 76.6%-26.6pp | 83.0%-33.0pp |
| Annual return | -5.03% | 22.93%-28.0pp | 22.78%-27.8pp | 41.46%-46.5pp |
| Employer contribution / active EE | $8,779 | $4,214+108.3% | $3,574+145.6% | $4,869+80.3% |
| Participant deferral / active EE | $3,917 | $4,270-8.3% | $3,712+5.5% | $5,287-25.9% |
| Admin fee / account holder | $3,551 | $6,645-46.6% | $5,333-33.4% | $10,133-65.0% |