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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 | $93,592 | $73,863+26.7% | $143,797-34.9% | $68,490+36.6% |
| Participation rate | 61.3% | 66.7%-5.4pp | 80.3%-19.0pp | 67.9%-6.6pp |
| Annual return | -20.19% | 0.91%-21.1pp | -0.04%-20.1pp | -7.85%-12.3pp |
| Employer contribution / active EE | $1,783 | $3,185-44.0% | $4,952-64.0% | $2,597-31.3% |
| Participant deferral / active EE | $3,415 | $3,385+0.9% | $5,638-39.4% | $4,028-15.2% |
| Admin fee / account holder | $2,405 | $5,756-58.2% | $14,679-83.6% | $5,403-55.5% |