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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 | $72,850 | $56,894+28.0% | $84,753-14.0% | $62,881+15.9% |
| Participation rate | 67.6% | 68.5%-0.9pp | 76.6%-8.9pp | 69.3%-1.7pp |
| Annual return | -3.06% | 6.30%-9.4pp | 22.78%-25.8pp | 20.14%-23.2pp |
| Employer contribution / active EE | $2,326 | $2,400-3.1% | $3,574-34.9% | $2,281+2.0% |
| Participant deferral / active EE | $5,625 | $2,709+107.6% | $3,712+51.5% | $3,203+75.6% |
| Admin fee / account holder | $6,611 | $3,581+84.6% | $5,333+24.0% | $4,296+53.9% |