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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 | $27,838 | $64,716-57.0% | $112,258-75.2% | $68,495-59.4% |
| Participation rate | 27.3% | 67.2%-39.9pp | 75.1%-47.8pp | 67.9%-40.6pp |
| Annual return | -20.64% | -11.40%-9.2pp | 27.47%-48.1pp | -7.84%-12.8pp |
| Employer contribution / active EE | $1,282 | $2,746-53.3% | $3,636-64.8% | $2,596-50.6% |
| Participant deferral / active EE | $2,083 | $3,565-41.6% | $4,728-56.0% | $4,028-48.3% |
| Admin fee / account holder | $1,238 | $5,232-76.3% | $6,411-80.7% | $5,403-77.1% |