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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 | $24,193 | $99,345-75.6% | $84,753-71.5% | $273,972-91.2% |
| Participation rate | 66.7% | 80.7%-14.0pp | 76.6%-9.9pp | 83.0%-16.3pp |
| Annual return | -3.46% | 22.93%-26.4pp | 22.78%-26.2pp | 41.46%-44.9pp |
| Employer contribution / active EE | $2,788 | $4,214-33.8% | $3,574-22.0% | $4,869-42.7% |
| Participant deferral / active EE | $1,319 | $4,270-69.1% | $3,712-64.5% | $5,287-75.1% |
| Admin fee / account holder | $512 | $6,645-92.3% | $5,333-90.4% | $10,133-95.0% |