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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 | $16,817 | $95,188-82.3% | $76,518-78.0% | $135,380-87.6% |
| Participation rate | 40.0% | 74.4%-34.4pp | 68.0%-28.0pp | 82.6%-42.6pp |
| Annual return | -13.73% | 4.85%-18.6pp | -0.27%-13.5pp | 519.81%-533.5pp |
| Employer contribution / active EE | $1,463 | $3,303-55.7% | $2,647-44.7% | $4,779-69.4% |
| Participant deferral / active EE | $3,140 | $4,640-32.3% | $3,836-18.1% | $5,609-44.0% |
| Admin fee / account holder | $868 | $6,249-86.1% | $4,849-82.1% | $10,828-92.0% |