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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 | $37,779 | $64,729-41.6% | $112,263-66.3% | $68,490-44.8% |
| Participation rate | 57.7% | 67.2%-9.5pp | 75.1%-17.4pp | 67.9%-10.2pp |
| Annual return | -21.60% | -11.40%-10.2pp | 27.49%-49.1pp | -7.85%-13.7pp |
| Employer contribution / active EE | $3,396 | $2,746+23.7% | $3,636-6.6% | $2,597+30.8% |
| Participant deferral / active EE | $7,160 | $3,566+100.8% | $4,729+51.4% | $4,028+77.8% |
| Admin fee / account holder | $3,899 | $5,222-25.3% | $6,410-39.2% | $5,403-27.8% |