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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 | $41,202 | $72,177-42.9% | $115,038-64.2% | $59,633-30.9% |
| Participation rate | 63.6% | 72.6%-8.9pp | 81.4%-17.7pp | 68.7%-5.0pp |
| Annual return | -2.88% | 12.02%-14.9pp | 26.14%-29.0pp | 2041.45%-2044.3pp |
| Employer contribution / active EE | $1,871 | $2,841-34.1% | $4,608-59.4% | $2,203-15.1% |
| Participant deferral / active EE | $4,459 | $4,783-6.8% | $6,026-26.0% | $3,192+39.7% |
| Admin fee / account holder | $2,100 | $4,927-57.4% | $8,175-74.3% | $4,297-51.1% |