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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 | $32,454 | $99,345-67.3% | $84,753-61.7% | $273,972-88.2% |
| Participation rate | 25.0% | 80.7%-55.7pp | 76.6%-51.6pp | 83.0%-58.0pp |
| Annual return | -0.31% | 22.93%-23.2pp | 22.78%-23.1pp | 41.46%-41.8pp |
| Employer contribution / active EE | $1,151 | $4,214-72.7% | $3,574-67.8% | $4,869-76.4% |
| Participant deferral / active EE | $1,151 | $4,270-73.0% | $3,712-69.0% | $5,287-78.2% |
| Admin fee / account holder | $19,223 | $6,645+189.3% | $5,333+260.5% | $10,133+89.7% |