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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 | $17,008 | $73,848-77.0% | $143,799-88.2% | $68,486-75.2% |
| Participation rate | 57.1% | 66.7%-9.5pp | 80.3%-23.2pp | 67.9%-10.8pp |
| Annual return | -19.49% | 0.91%-20.4pp | -0.04%-19.4pp | -7.85%-11.6pp |
| Employer contribution / active EE | $1,273 | $3,184-60.0% | $4,952-74.3% | $2,597-51.0% |
| Participant deferral / active EE | $2,051 | $3,385-39.4% | $5,638-63.6% | $4,028-49.1% |
| Admin fee / account holder | $2,519 | $5,755-56.2% | $14,677-82.8% | $5,404-53.4% |