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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 | $37,767 | $67,411-44.0% | $91,004-58.5% | $70,124-46.1% |
| Participation rate | 69.2% | 71.4%-2.1pp | 75.6%-6.4pp | 69.5%-0.3pp |
| Annual return | 10.52% | -40.16%+50.7pp | 4.60%+5.9pp | 73.14%-62.6pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,352 | $2,823-52.1% | $3,548-61.9% | $3,332-59.4% |
| Admin fee / account holder | $13,378 | $4,236+215.8% | $5,417+146.9% | $4,645+188.0% |