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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 | $38,769 | $64,729-40.1% | $112,263-65.5% | $68,490-43.4% |
| Participation rate | 55.4% | 67.2%-11.7pp | 75.1%-19.7pp | 67.9%-12.5pp |
| Annual return | -22.22% | -11.40%-10.8pp | 27.49%-49.7pp | -7.85%-14.4pp |
| Employer contribution / active EE | $2,010 | $2,746-26.8% | $3,636-44.7% | $2,597-22.6% |
| Participant deferral / active EE | $4,245 | $3,566+19.0% | $4,729-10.3% | $4,028+5.4% |
| Admin fee / account holder | $4,364 | $5,222-16.4% | $6,410-31.9% | $5,403-19.2% |