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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 | $75,093 | $77,817-3.5% | $123,553-39.2% | $64,173+17.0% |
| Participation rate | 62.2% | 74.7%-12.5pp | 82.3%-20.1pp | 69.6%-7.3pp |
| Annual return | -8.69% | 12.49%-21.2pp | 119.21%-127.9pp | 7.63%-16.3pp |
| Employer contribution / active EE | $4,328 | $3,014+43.6% | $4,628-6.5% | $2,381+81.8% |
| Participant deferral / active EE | $2,771 | $5,240-47.1% | $6,426-56.9% | $3,470-20.1% |
| Admin fee / account holder | $17,098 | $5,519+209.8% | $9,284+84.2% | $4,887+249.8% |