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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 | $67,301 | $72,486-7.2% | $87,103-22.7% | $72,976-7.8% |
| Participation rate | 35.4% | 72.8%-37.4pp | 76.9%-41.5pp | 69.5%-34.1pp |
| Annual return | -16.13% | 24.46%-40.6pp | 28.19%-44.3pp | 81.02%-97.1pp |
| Employer contribution / active EE | $1,144 | $1,894-39.6% | $2,521-54.6% | $2,440-53.1% |
| Participant deferral / active EE | $1,802 | $3,270-44.9% | $4,049-55.5% | $3,608-50.1% |
| Admin fee / account holder | $1,394 | $5,055-72.4% | $7,491-81.4% | $5,124-72.8% |