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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 | $37,834 | $93,598-59.6% | $135,974-72.2% | $75,173-49.7% |
| Participation rate | 58.6% | 75.2%-16.6pp | 81.9%-23.3pp | 67.2%-8.6pp |
| Annual return | -5.74% | 30.89%-36.6pp | 68.30%-74.0pp | 160.72%-166.5pp |
| Employer contribution / active EE | $2,507 | $3,538-29.1% | $4,859-48.4% | $2,671-6.1% |
| Participant deferral / active EE | $5,253 | $6,405-18.0% | $7,760-32.3% | $4,126+27.3% |
| Admin fee / account holder | $7,645 | $6,978+9.6% | $10,767-29.0% | $5,651+35.3% |