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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 | $45,811 | $72,177-36.5% | $115,037-60.2% | $59,633-23.2% |
| Participation rate | 64.1% | 72.6%-8.5pp | 81.4%-17.3pp | 68.7%-4.6pp |
| Annual return | -2.90% | 12.02%-14.9pp | 26.14%-29.0pp | 2041.40%-2044.3pp |
| Employer contribution / active EE | $3,048 | $2,841+7.3% | $4,608-33.8% | $2,203+38.4% |
| Participant deferral / active EE | $5,943 | $4,783+24.3% | $6,026-1.4% | $3,192+86.2% |
| Admin fee / account holder | $8,452 | $4,927+71.5% | $8,175+3.4% | $4,297+96.7% |