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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 | $75,380 | $45,872+64.3% | $77,100-2.2% | $68,490+10.1% |
| Participation rate | 42.3% | 55.9%-13.6pp | 67.9%-25.6pp | 67.9%-25.6pp |
| Annual return | -22.14% | 1.73%-23.9pp | 42.35%-64.5pp | -7.85%-14.3pp |
| Employer contribution / active EE | $996 | $1,650-39.6% | $2,815-64.6% | $2,597-61.7% |
| Participant deferral / active EE | $4,501 | $2,963+51.9% | $4,430+1.6% | $4,028+11.7% |
| Admin fee / account holder | $1,323 | $3,041-56.5% | $5,443-75.7% | $5,403-75.5% |