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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 | $27,756 | $62,589-55.7% | $76,768-63.8% | $64,173-56.7% |
| Participation rate | 65.3% | 72.8%-7.5pp | 77.0%-11.7pp | 69.6%-4.3pp |
| Annual return | -7.52% | -1.95%-5.6pp | 2.43%-10.0pp | 7.63%-15.2pp |
| Employer contribution / active EE | $1,666 | $1,832-9.1% | $2,485-33.0% | $2,381-30.0% |
| Participant deferral / active EE | $2,890 | $3,145-8.1% | $3,852-25.0% | $3,470-16.7% |
| Admin fee / account holder | $3,223 | $4,667-31.0% | $6,675-51.7% | $4,887-34.1% |