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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 | $36,207 | $64,719-44.1% | $112,249-67.7% | $68,486-47.1% |
| Participation rate | 33.3% | 67.2%-33.8pp | 75.1%-41.7pp | 67.9%-34.6pp |
| Annual return | -24.49% | -11.40%-13.1pp | 27.48%-52.0pp | -7.85%-16.6pp |
| Employer contribution / active EE | $1,026 | $2,747-62.6% | $3,636-71.8% | $2,597-60.5% |
| Participant deferral / active EE | $2,550 | $3,565-28.5% | $4,729-46.1% | $4,028-36.7% |
| Admin fee / account holder | $1,197 | $5,232-77.1% | $6,412-81.3% | $5,404-77.8% |