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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 | $38,791 | $83,908-53.8% | $68,509-43.4% | $125,388-69.1% |
| Participation rate | 50.0% | 78.2%-28.2pp | 74.7%-24.7pp | 83.2%-33.2pp |
| Annual return | -8.53% | 14.48%-23.0pp | 8.27%-16.8pp | 282.24%-290.8pp |
| Employer contribution / active EE | $1,626 | $3,031-46.4% | $2,278-28.6% | $4,866-66.6% |
| Participant deferral / active EE | $3,277 | $4,125-20.6% | $3,382-3.1% | $5,352-38.8% |
| Admin fee / account holder | $2,838 | $8,982-68.4% | $5,275-46.2% | $9,541-70.3% |