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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 | $77,323 | $73,848+4.7% | $143,799-46.2% | $68,486+12.9% |
| Participation rate | 40.4% | 66.7%-26.2pp | 80.3%-39.9pp | 67.9%-27.5pp |
| Annual return | -21.21% | 0.91%-22.1pp | -0.04%-21.2pp | -7.85%-13.4pp |
| Employer contribution / active EE | $1,512 | $3,184-52.5% | $4,952-69.5% | $2,597-41.8% |
| Participant deferral / active EE | $3,077 | $3,385-9.1% | $5,638-45.4% | $4,028-23.6% |
| Admin fee / account holder | $5,298 | $5,755-7.9% | $14,677-63.9% | $5,404-2.0% |