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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 | $37,723 | $92,219-59.1% | $76,768-50.9% | $135,379-72.1% |
| Participation rate | 50.0% | 79.8%-29.8pp | 77.0%-27.0pp | 82.6%-32.6pp |
| Annual return | -9.81% | 5.46%-15.3pp | 2.43%-12.2pp | 519.79%-529.6pp |
| Employer contribution / active EE | $2,504 | $3,216-22.1% | $2,485+0.8% | $4,779-47.6% |
| Participant deferral / active EE | $2,500 | $4,508-44.5% | $3,852-35.1% | $5,609-55.4% |
| Admin fee / account holder | $5,886 | $10,749-45.2% | $6,675-11.8% | $10,828-45.6% |