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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 | $48,382 | $54,541-11.3% | $78,778-38.6% | $70,126-31.0% |
| Participation rate | 33.3% | 60.8%-27.5pp | 69.2%-35.9pp | 69.5%-36.2pp |
| Annual return | -34.19% | 21.07%-55.3pp | 35.62%-69.8pp | 73.15%-107.3pp |
| Employer contribution / active EE | $766 | $1,089-29.6% | $1,986-61.4% | $2,343-67.3% |
| Participant deferral / active EE | $2,355 | $2,210+6.6% | $2,958-20.4% | $3,332-29.3% |
| Admin fee / account holder | $6,764 | $3,709+82.4% | $5,134+31.8% | $4,645+45.6% |