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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 | $32,032 | $50,947-37.1% | $74,551-57.0% | $64,173-50.1% |
| Participation rate | 48.7% | 61.1%-12.3pp | 69.1%-20.4pp | 69.6%-20.9pp |
| Annual return | -8.37% | -1.85%-6.5pp | 32.53%-40.9pp | 7.63%-16.0pp |
| Employer contribution / active EE | $954 | $1,115-14.5% | $1,961-51.4% | $2,381-59.9% |
| Participant deferral / active EE | $1,258 | $2,302-45.3% | $3,108-59.5% | $3,470-63.7% |
| Admin fee / account holder | $1,334 | $4,221-68.4% | $5,059-73.6% | $4,887-72.7% |