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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 | $40,508 | $64,729-37.4% | $112,263-63.9% | $68,490-40.9% |
| Participation rate | 25.5% | 67.2%-41.7pp | 75.1%-49.6pp | 67.9%-42.4pp |
| Annual return | -21.31% | -11.40%-9.9pp | 27.49%-48.8pp | -7.85%-13.5pp |
| Employer contribution / active EE | $1,219 | $2,746-55.6% | $3,636-66.5% | $2,597-53.0% |
| Participant deferral / active EE | $3,225 | $3,566-9.5% | $4,729-31.8% | $4,028-19.9% |
| Admin fee / account holder | $1,222 | $5,222-76.6% | $6,410-80.9% | $5,403-77.4% |