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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 | $43,981 | $64,719-32.0% | $112,249-60.8% | $68,486-35.8% |
| Participation rate | 61.4% | 67.2%-5.7pp | 75.1%-13.7pp | 67.9%-6.5pp |
| Annual return | -22.71% | -11.40%-11.3pp | 27.48%-50.2pp | -7.85%-14.9pp |
| Employer contribution / active EE | $1,675 | $2,747-39.0% | $3,636-53.9% | $2,597-35.5% |
| Participant deferral / active EE | $3,413 | $3,565-4.3% | $4,729-27.8% | $4,028-15.3% |
| Admin fee / account holder | $347 | $5,232-93.4% | $6,412-94.6% | $5,404-93.6% |