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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 | $81,376 | $71,872+13.2% | $86,691-6.1% | $68,495+18.8% |
| Participation rate | 53.3% | 72.2%-18.9pp | 76.6%-23.3pp | 67.9%-14.6pp |
| Annual return | -20.42% | 3.53%-23.9pp | 35.94%-56.4pp | -7.84%-12.6pp |
| Employer contribution / active EE | $2,359 | $2,173+8.6% | $2,837-16.8% | $2,596-9.1% |
| Participant deferral / active EE | $3,066 | $3,779-18.9% | $4,656-34.2% | $4,028-23.9% |
| Admin fee / account holder | $13,449 | $6,112+120.0% | $7,492+79.5% | $5,403+148.9% |