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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 | $18,273 | $52,836-65.4% | $105,736-82.7% | $64,173-71.5% |
| Participation rate | 55.6% | 66.5%-11.0pp | 76.3%-20.8pp | 69.6%-14.0pp |
| Annual return | -8.23% | 14.30%-22.5pp | 6.27%-14.5pp | 7.63%-15.9pp |
| Employer contribution / active EE | $1,508 | $1,827-17.5% | $3,268-53.9% | $2,381-36.7% |
| Participant deferral / active EE | $2,062 | $2,545-19.0% | $4,080-49.5% | $3,470-40.6% |
| Admin fee / account holder | $3,352 | $3,959-15.3% | $6,913-51.5% | $4,887-31.4% |