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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 | $26,486 | $71,873-63.1% | $86,698-69.4% | $68,490-61.3% |
| Participation rate | 63.3% | 72.2%-8.9pp | 76.6%-13.3pp | 67.9%-4.6pp |
| Annual return | -19.02% | 3.54%-22.6pp | 35.96%-55.0pp | -7.85%-11.2pp |
| Employer contribution / active EE | $2,116 | $2,173-2.6% | $2,837-25.4% | $2,597-18.5% |
| Participant deferral / active EE | $3,648 | $3,779-3.5% | $4,656-21.7% | $4,028-9.4% |
| Admin fee / account holder | $1,006 | $6,110-83.5% | $7,492-86.6% | $5,403-81.4% |