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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 | $87,807 | $59,819+46.8% | $79,583+10.3% | $68,490+28.2% |
| Participation rate | 52.0% | 61.1%-9.1pp | 69.5%-17.5pp | 67.9%-15.9pp |
| Annual return | -23.58% | -12.30%-11.3pp | 0.16%-23.7pp | -7.85%-15.7pp |
| Employer contribution / active EE | $1,876 | $1,505+24.6% | $2,414-22.3% | $2,597-27.8% |
| Participant deferral / active EE | $4,276 | $3,025+41.4% | $3,986+7.3% | $4,028+6.2% |
| Admin fee / account holder | $1,496 | $4,835-69.1% | $6,835-78.1% | $5,403-72.3% |