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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 | $33,724 | $54,380-38.0% | $68,509-50.8% | $59,633-43.4% |
| Participation rate | 20.0% | 70.2%-50.2pp | 74.7%-54.7pp | 68.7%-48.7pp |
| Annual return | -9.17% | 2.83%-12.0pp | 8.27%-17.4pp | 2041.45%-2050.6pp |
| Employer contribution / active EE | $455 | $1,539-70.4% | $2,278-80.0% | $2,203-79.3% |
| Participant deferral / active EE | $2,382 | $2,643-9.9% | $3,382-29.6% | $3,192-25.4% |
| Admin fee / account holder | $712 | $3,885-81.7% | $5,275-86.5% | $4,297-83.4% |