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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 | $20,642 | $72,177-71.4% | $115,038-82.1% | $59,633-65.4% |
| Participation rate | 40.3% | 72.6%-32.2pp | 81.4%-41.0pp | 68.7%-28.3pp |
| Annual return | -4.66% | 12.02%-16.7pp | 26.14%-30.8pp | 2041.45%-2046.1pp |
| Employer contribution / active EE | $1,012 | $2,841-64.4% | $4,608-78.0% | $2,203-54.1% |
| Participant deferral / active EE | $2,311 | $4,783-51.7% | $6,026-61.6% | $3,192-27.6% |
| Admin fee / account holder | $7,673 | $4,927+55.7% | $8,175-6.1% | $4,297+78.6% |