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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 | $41,531 | $64,729-35.8% | $112,263-63.0% | $68,490-39.4% |
| Participation rate | 49.2% | 67.2%-18.0pp | 75.1%-25.9pp | 67.9%-18.7pp |
| Annual return | -24.86% | -11.40%-13.5pp | 27.49%-52.3pp | -7.85%-17.0pp |
| Employer contribution / active EE | $1,683 | $2,746-38.7% | $3,636-53.7% | $2,597-35.2% |
| Participant deferral / active EE | $3,499 | $3,566-1.9% | $4,729-26.0% | $4,028-13.1% |
| Admin fee / account holder | $3,375 | $5,222-35.4% | $6,410-47.4% | $5,403-37.5% |