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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 | $35,238 | $77,816-54.7% | $123,552-71.5% | $64,173-45.1% |
| Participation rate | 66.7% | 74.7%-8.0pp | 82.3%-15.6pp | 69.6%-2.9pp |
| Annual return | -8.14% | 12.49%-20.6pp | 119.20%-127.3pp | 7.63%-15.8pp |
| Employer contribution / active EE | $1,555 | $3,014-48.4% | $4,628-66.4% | $2,381-34.7% |
| Participant deferral / active EE | $3,067 | $5,240-41.5% | $6,426-52.3% | $3,470-11.6% |
| Admin fee / account holder | $711 | $5,519-87.1% | $9,285-92.3% | $4,887-85.5% |