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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 | $49,203 | $53,596-8.2% | $90,657-45.7% | $64,173-23.3% |
| Participation rate | 51.5% | 64.5%-13.0pp | 74.0%-22.5pp | 69.6%-18.1pp |
| Annual return | -8.40% | 4.41%-12.8pp | 1.89%-10.3pp | 7.63%-16.0pp |
| Employer contribution / active EE | $1,476 | $1,503-1.8% | $2,532-41.7% | $2,381-38.0% |
| Participant deferral / active EE | $2,527 | $2,459+2.8% | $3,424-26.2% | $3,470-27.2% |
| Admin fee / account holder | $2,880 | $3,868-25.5% | $4,994-42.3% | $4,887-41.1% |