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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 | $29,553 | $64,719-54.3% | $112,249-73.7% | $68,486-56.8% |
| Participation rate | 48.0% | 67.2%-19.2pp | 75.1%-27.1pp | 67.9%-19.9pp |
| Annual return | -20.62% | -11.40%-9.2pp | 27.48%-48.1pp | -7.85%-12.8pp |
| Employer contribution / active EE | $1,640 | $2,747-40.3% | $3,636-54.9% | $2,597-36.8% |
| Participant deferral / active EE | $3,589 | $3,565+0.7% | $4,729-24.1% | $4,028-10.9% |
| Admin fee / account holder | $3,192 | $5,232-39.0% | $6,412-50.2% | $5,404-40.9% |