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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 | $31,662 | $62,589-49.4% | $76,768-58.8% | $64,173-50.7% |
| Participation rate | 59.4% | 72.8%-13.4pp | 77.0%-17.6pp | 69.6%-10.2pp |
| Annual return | -7.92% | -1.95%-6.0pp | 2.43%-10.3pp | 7.63%-15.6pp |
| Employer contribution / active EE | $485 | $1,832-73.5% | $2,485-80.5% | $2,381-79.6% |
| Participant deferral / active EE | $1,980 | $3,145-37.0% | $3,852-48.6% | $3,470-42.9% |
| Admin fee / account holder | $1,554 | $4,667-66.7% | $6,675-76.7% | $4,887-68.2% |