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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 | $32,026 | $77,638-58.7% | $156,551-79.5% | $62,881-49.1% |
| Participation rate | 68.9% | 71.2%-2.3pp | 84.0%-15.1pp | 69.3%-0.4pp |
| Annual return | -0.12% | 50.33%-50.4pp | 32.23%-32.3pp | 20.14%-20.3pp |
| Employer contribution / active EE | $487 | $3,444-85.9% | $5,501-91.2% | $2,281-78.7% |
| Participant deferral / active EE | $1,697 | $3,046-44.3% | $4,871-65.2% | $3,203-47.0% |
| Admin fee / account holder | $3,868 | $5,561-30.4% | $13,028-70.3% | $4,296-10.0% |