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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 | $47,479 | $107,809-56.0% | $90,657-47.6% | $135,379-64.9% |
| Participation rate | 41.7% | 78.0%-36.4pp | 74.0%-32.4pp | 82.6%-41.0pp |
| Annual return | -10.69% | -0.90%-9.8pp | 1.89%-12.6pp | 519.79%-530.5pp |
| Employer contribution / active EE | $685 | $3,018-77.3% | $2,532-73.0% | $4,779-85.7% |
| Participant deferral / active EE | $1,966 | $3,872-49.2% | $3,424-42.6% | $5,609-64.9% |
| Admin fee / account holder | $5,452 | $5,931-8.1% | $4,994+9.2% | $10,828-49.6% |