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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 | $33,773 | $60,396-44.1% | $111,392-69.7% | $56,289-40.0% |
| Participation rate | 43.8% | 72.4%-28.7pp | 78.9%-35.1pp | 69.9%-26.1pp |
| Annual return | -9.93% | 20.26%-30.2pp | -2.06%-7.9pp | -9.96%0pp |
| Employer contribution / active EE | $2,467 | $3,459-28.7% | $4,328-43.0% | $2,111+16.8% |
| Participant deferral / active EE | $4,681 | $4,421+5.9% | $5,567-15.9% | $3,350+39.7% |
| Admin fee / account holder | $767 | $610+25.7% | $12,266-93.7% | $521+47.2% |