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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 | $30,793 | $53,162-42.1% | $91,225-66.2% | $68,486-55.0% |
| Participation rate | 41.4% | 63.2%-21.8pp | 73.2%-31.8pp | 67.9%-26.5pp |
| Annual return | -20.19% | -3.14%-17.0pp | 114.12%-134.3pp | -7.85%-12.3pp |
| Employer contribution / active EE | $1,196 | $1,709-30.0% | $2,851-58.1% | $2,597-54.0% |
| Participant deferral / active EE | $1,759 | $2,974-40.9% | $4,233-58.5% | $4,028-56.3% |
| Admin fee / account holder | $1,016 | $4,493-77.4% | $5,422-81.3% | $5,404-81.2% |