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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 | $83,248 | $56,339+47.8% | $104,299-20.2% | $68,490+21.5% |
| Participation rate | 50.0% | 63.3%-13.3pp | 73.3%-23.3pp | 67.9%-17.9pp |
| Annual return | -19.49% | -9.19%-10.3pp | 24.62%-44.1pp | -7.85%-11.6pp |
| Employer contribution / active EE | $2,754 | $1,960+40.5% | $3,373-18.4% | $2,597+6.1% |
| Participant deferral / active EE | $2,979 | $3,077-3.2% | $4,626-35.6% | $4,028-26.0% |
| Admin fee / account holder | $1,446 | $4,902-70.5% | $7,339-80.3% | $5,403-73.2% |