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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 | $33,760 | $133,998-74.8% | $112,263-69.9% | $134,545-74.9% |
| Participation rate | 52.2% | 78.6%-26.4pp | 75.1%-22.9pp | 81.2%-29.1pp |
| Annual return | -24.46% | 47.17%-71.6pp | 27.49%-52.0pp | 418.37%-442.8pp |
| Employer contribution / active EE | $1,483 | $4,040-63.3% | $3,636-59.2% | $4,742-68.7% |
| Participant deferral / active EE | $3,363 | $5,292-36.4% | $4,729-28.9% | $6,401-47.5% |
| Admin fee / account holder | $1,100 | $7,493-85.3% | $6,410-82.8% | $11,431-90.4% |