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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 | $23,678 | $54,380-56.5% | $68,509-65.4% | $59,633-60.3% |
| Participation rate | 46.3% | 70.2%-23.9pp | 74.7%-28.5pp | 68.7%-22.4pp |
| Annual return | -3.33% | 2.83%-6.2pp | 8.27%-11.6pp | 2041.45%-2044.8pp |
| Employer contribution / active EE | $1,840 | $1,539+19.6% | $2,278-19.2% | $2,203-16.5% |
| Participant deferral / active EE | $3,527 | $2,643+33.4% | $3,382+4.3% | $3,192+10.5% |
| Admin fee / account holder | $4,751 | $3,885+22.3% | $5,275-9.9% | $4,297+10.6% |