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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 | $27,404 | $53,162-48.5% | $91,225-70.0% | $68,486-60.0% |
| Participation rate | 55.2% | 63.2%-8.0pp | 73.2%-18.0pp | 67.9%-12.7pp |
| Annual return | -23.77% | -3.14%-20.6pp | 114.12%-137.9pp | -7.85%-15.9pp |
| Employer contribution / active EE | $1,152 | $1,709-32.6% | $2,851-59.6% | $2,597-55.6% |
| Participant deferral / active EE | $2,230 | $2,974-25.0% | $4,233-47.3% | $4,028-44.6% |
| Admin fee / account holder | $1,023 | $4,493-77.2% | $5,422-81.1% | $5,404-81.1% |