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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 | $132,895 | $81,870+62.3% | $119,634+11.1% | $68,490+94.0% |
| Participation rate | 57.7% | 71.9%-14.2pp | 79.3%-21.6pp | 67.9%-10.2pp |
| Annual return | -19.36% | -23.82%+4.5pp | -14.98%-4.4pp | -7.85%-11.5pp |
| Employer contribution / active EE | $1,713 | $2,692-36.4% | $4,232-59.5% | $2,597-34.0% |
| Participant deferral / active EE | $2,907 | $4,148-29.9% | $5,601-48.1% | $4,028-27.8% |
| Admin fee / account holder | $737 | $6,583-88.8% | $10,329-92.9% | $5,403-86.4% |