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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 | $37,046 | $42,910-13.7% | $60,919-39.2% | $68,490-45.9% |
| Participation rate | 60.0% | 66.8%-6.8pp | 73.1%-13.1pp | 67.9%-7.9pp |
| Annual return | -19.67% | -13.99%-5.7pp | 16.96%-36.6pp | -7.85%-11.8pp |
| Employer contribution / active EE | $1,268 | $1,978-35.9% | $2,704-53.1% | $2,597-51.2% |
| Participant deferral / active EE | $3,324 | $2,866+16.0% | $3,814-12.9% | $4,028-17.5% |
| Admin fee / account holder | $1,063 | $3,104-65.8% | $3,228-67.1% | $5,403-80.3% |