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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 | $22,508 | $87,544-74.3% | $75,784-70.3% | $125,388-82.0% |
| Participation rate | 66.7% | 80.2%-13.5pp | 75.8%-9.2pp | 83.2%-16.5pp |
| Annual return | -4.55% | 13.49%-18.0pp | 9.68%-14.2pp | 282.24%-286.8pp |
| Employer contribution / active EE | $2,895 | $3,930-26.3% | $3,323-12.9% | $4,866-40.5% |
| Participant deferral / active EE | $4,703 | $4,229+11.2% | $3,652+28.8% | $5,352-12.1% |
| Admin fee / account holder | $3,160 | $6,502-51.4% | $5,300-40.4% | $9,541-66.9% |