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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 | $19,105 | $73,863-74.1% | $143,797-86.7% | $68,490-72.1% |
| Participation rate | 51.5% | 66.7%-15.2pp | 80.3%-28.8pp | 67.9%-16.4pp |
| Annual return | -19.84% | 0.91%-20.8pp | -0.04%-19.8pp | -7.85%-12.0pp |
| Employer contribution / active EE | $1,730 | $3,185-45.7% | $4,952-65.1% | $2,597-33.4% |
| Participant deferral / active EE | $3,370 | $3,385-0.4% | $5,638-40.2% | $4,028-16.3% |
| Admin fee / account holder | $376 | $5,756-93.5% | $14,679-97.4% | $5,403-93.0% |