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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 | $61,610 | $64,719-4.8% | $112,249-45.1% | $68,486-10.0% |
| Participation rate | 59.0% | 67.2%-8.2pp | 75.1%-16.1pp | 67.9%-8.9pp |
| Annual return | -20.11% | -11.40%-8.7pp | 27.48%-47.6pp | -7.85%-12.3pp |
| Employer contribution / active EE | $1,767 | $2,747-35.7% | $3,636-51.4% | $2,597-32.0% |
| Participant deferral / active EE | $4,962 | $3,565+39.2% | $4,729+4.9% | $4,028+23.2% |
| Admin fee / account holder | $1,535 | $5,232-70.7% | $6,412-76.1% | $5,404-71.6% |