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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 | $30,258 | $56,484-46.4% | $169,452-82.1% | $64,173-52.8% |
| Participation rate | 64.9% | 64.5%+0.3pp | 77.8%-12.9pp | 69.6%-4.7pp |
| Annual return | -10.23% | -1.55%-8.7pp | 1.83%-12.1pp | 7.63%-17.9pp |
| Employer contribution / active EE | $1,530 | $1,832-16.5% | $4,157-63.2% | $2,381-35.7% |
| Participant deferral / active EE | $3,843 | $3,448+11.5% | $5,277-27.2% | $3,470+10.8% |
| Admin fee / account holder | $3,562 | $4,174-14.7% | $9,110-60.9% | $4,887-27.1% |