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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 | $50,492 | $64,729-22.0% | $112,263-55.0% | $68,490-26.3% |
| Participation rate | 47.8% | 67.2%-19.4pp | 75.1%-27.3pp | 67.9%-20.1pp |
| Annual return | -22.48% | -11.40%-11.1pp | 27.49%-50.0pp | -7.85%-14.6pp |
| Employer contribution / active EE | $1,325 | $2,746-51.8% | $3,636-63.6% | $2,597-49.0% |
| Participant deferral / active EE | $2,902 | $3,566-18.6% | $4,729-38.6% | $4,028-28.0% |
| Admin fee / account holder | $941 | $5,222-82.0% | $6,410-85.3% | $5,403-82.6% |