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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 | $54,634 | $45,872+19.1% | $77,100-29.1% | $68,490-20.2% |
| Participation rate | 63.2% | 55.9%+7.2pp | 67.9%-4.8pp | 67.9%-4.7pp |
| Annual return | -23.33% | 1.73%-25.1pp | 42.35%-65.7pp | -7.85%-15.5pp |
| Employer contribution / active EE | $1,981 | $1,650+20.1% | $2,815-29.6% | $2,597-23.7% |
| Participant deferral / active EE | $5,000 | $2,963+68.8% | $4,430+12.9% | $4,028+24.1% |
| Admin fee / account holder | $2,537 | $3,041-16.6% | $5,443-53.4% | $5,403-53.0% |