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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 | $18,723 | $64,719-71.1% | $112,249-83.3% | $68,486-72.7% |
| Participation rate | 59.6% | 67.2%-7.6pp | 75.1%-15.5pp | 67.9%-8.3pp |
| Annual return | -21.21% | -11.40%-9.8pp | 27.48%-48.7pp | -7.85%-13.4pp |
| Employer contribution / active EE | $1,271 | $2,747-53.7% | $3,636-65.0% | $2,597-51.1% |
| Participant deferral / active EE | $2,356 | $3,565-33.9% | $4,729-50.2% | $4,028-41.5% |
| Admin fee / account holder | $2,246 | $5,232-57.1% | $6,412-65.0% | $5,404-58.4% |