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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 | $69,910 | $71,873-2.7% | $86,698-19.4% | $68,490+2.1% |
| Participation rate | 56.0% | 72.2%-16.2pp | 76.6%-20.6pp | 67.9%-11.9pp |
| Annual return | -19.23% | 3.54%-22.8pp | 35.96%-55.2pp | -7.85%-11.4pp |
| Employer contribution / active EE | $3,010 | $2,173+38.5% | $2,837+6.1% | $2,597+15.9% |
| Participant deferral / active EE | $6,705 | $3,779+77.4% | $4,656+44.0% | $4,028+66.5% |
| Admin fee / account holder | $2,710 | $6,110-55.6% | $7,492-63.8% | $5,403-49.8% |