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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 | $22,026 | $73,863-70.2% | $143,797-84.7% | $68,490-67.8% |
| Participation rate | 60.5% | 66.7%-6.1pp | 80.3%-19.8pp | 67.9%-7.4pp |
| Annual return | -21.05% | 0.91%-22.0pp | -0.04%-21.0pp | -7.85%-13.2pp |
| Employer contribution / active EE | $1,143 | $3,185-64.1% | $4,952-76.9% | $2,597-56.0% |
| Participant deferral / active EE | $2,971 | $3,385-12.2% | $5,638-47.3% | $4,028-26.2% |
| Admin fee / account holder | $2,286 | $5,756-60.3% | $14,679-84.4% | $5,403-57.7% |