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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 | $33,653 | $77,817-56.8% | $123,553-72.8% | $64,173-47.6% |
| Participation rate | 48.7% | 74.7%-26.0pp | 82.3%-33.6pp | 69.6%-20.9pp |
| Annual return | -11.50% | 12.49%-24.0pp | 119.21%-130.7pp | 7.63%-19.1pp |
| Employer contribution / active EE | $1,392 | $3,014-53.8% | $4,628-69.9% | $2,381-41.5% |
| Participant deferral / active EE | $2,876 | $5,240-45.1% | $6,426-55.2% | $3,470-17.1% |
| Admin fee / account holder | $4,621 | $5,519-16.3% | $9,284-50.2% | $4,887-5.5% |