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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 | $66,422 | $64,729+2.6% | $112,263-40.8% | $68,490-3.0% |
| Participation rate | 42.4% | 67.2%-24.7pp | 75.1%-32.6pp | 67.9%-25.5pp |
| Annual return | -22.30% | -11.40%-10.9pp | 27.49%-49.8pp | -7.85%-14.4pp |
| Employer contribution / active EE | $1,127 | $2,746-58.9% | $3,636-69.0% | $2,597-56.6% |
| Participant deferral / active EE | $2,403 | $3,566-32.6% | $4,729-49.2% | $4,028-40.3% |
| Admin fee / account holder | $1,694 | $5,222-67.5% | $6,410-73.6% | $5,403-68.6% |