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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 | $37,671 | $47,944-21.4% | $67,834-44.5% | $62,881-40.1% |
| Participation rate | 47.5% | 61.1%-13.6pp | 68.8%-21.3pp | 69.3%-21.8pp |
| Annual return | -0.12% | 11.77%-11.9pp | 138.47%-138.6pp | 20.14%-20.3pp |
| Employer contribution / active EE | $1,207 | $1,562-22.7% | $2,403-49.8% | $2,281-47.1% |
| Participant deferral / active EE | $1,626 | $2,247-27.6% | $3,160-48.5% | $3,203-49.2% |
| Admin fee / account holder | $3,187 | $3,712-14.1% | $4,622-31.0% | $4,296-25.8% |