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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 | $47,556 | $63,082-24.6% | $81,716-41.8% | $79,852-40.4% |
| Participation rate | 56.7% | 67.5%-10.9pp | 72.0%-15.3pp | 69.6%-13.0pp |
| Annual return | -5.07% | 22.66%-27.7pp | 29.49%-34.6pp | 31.72%-36.8pp |
| Employer contribution / active EE | $668 | $1,795-62.8% | $4,310-84.5% | $2,471-73.0% |
| Participant deferral / active EE | $2,392 | $2,780-14.0% | $7,108-66.3% | $3,740-36.0% |
| Admin fee / account holder | $10,305 | $4,428+132.7% | $5,159+99.7% | $5,306+94.2% |