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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 | $102,467 | $73,863+38.7% | $143,797-28.7% | $68,490+49.6% |
| Participation rate | 68.4% | 66.7%+1.8pp | 80.3%-11.9pp | 67.9%+0.5pp |
| Annual return | -23.70% | 0.91%-24.6pp | -0.04%-23.7pp | -7.85%-15.8pp |
| Employer contribution / active EE | $782 | $3,185-75.5% | $4,952-84.2% | $2,597-69.9% |
| Participant deferral / active EE | $3,695 | $3,385+9.2% | $5,638-34.5% | $4,028-8.3% |
| Admin fee / account holder | $2,975 | $5,756-48.3% | $14,679-79.7% | $5,403-44.9% |