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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 | $70,590 | $72,404-2.5% | $110,243-36.0% | $64,173+10.0% |
| Participation rate | 51.1% | 73.3%-22.3pp | 79.8%-28.8pp | 69.6%-18.5pp |
| Annual return | -9.48% | -6.29%-3.2pp | 314.76%-324.2pp | 7.63%-17.1pp |
| Employer contribution / active EE | $1,002 | $2,282-56.1% | $3,827-73.8% | $2,381-57.9% |
| Participant deferral / active EE | $3,732 | $3,469+7.6% | $4,672-20.1% | $3,470+7.6% |
| Admin fee / account holder | $1,249 | $5,664-77.9% | $8,548-85.4% | $4,887-74.4% |