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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 | $85,033 | $73,863+15.1% | $143,797-40.9% | $68,490+24.2% |
| Participation rate | 60.0% | 66.7%-6.7pp | 80.3%-20.3pp | 67.9%-7.9pp |
| Annual return | -19.77% | 0.91%-20.7pp | -0.04%-19.7pp | -7.85%-11.9pp |
| Employer contribution / active EE | $2,369 | $3,185-25.6% | $4,952-52.2% | $2,597-8.8% |
| Participant deferral / active EE | $5,621 | $3,385+66.1% | $5,638-0.3% | $4,028+39.6% |
| Admin fee / account holder | $13,316 | $5,756+131.3% | $14,679-9.3% | $5,403+146.5% |