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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 | $77,143 | $107,809-28.4% | $90,657-14.9% | $135,380-43.0% |
| Participation rate | 18.2% | 78.0%-59.9pp | 74.0%-55.8pp | 82.6%-64.5pp |
| Annual return | -12.14% | -0.90%-11.2pp | 1.89%-14.0pp | 519.81%-531.9pp |
| Employer contribution / active EE | $844 | $3,018-72.0% | $2,532-66.7% | $4,779-82.3% |
| Participant deferral / active EE | $3,477 | $3,872-10.2% | $3,424+1.5% | $5,609-38.0% |
| Admin fee / account holder | $4,809 | $5,931-18.9% | $4,994-3.7% | $10,828-55.6% |