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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 | $68,677 | $77,817-11.7% | $123,553-44.4% | $64,173+7.0% |
| Participation rate | 44.4% | 74.7%-30.3pp | 82.3%-37.9pp | 69.6%-25.1pp |
| Annual return | -8.16% | 12.49%-20.6pp | 119.21%-127.4pp | 7.63%-15.8pp |
| Employer contribution / active EE | $2,467 | $3,014-18.2% | $4,628-46.7% | $2,381+3.6% |
| Participant deferral / active EE | $5,098 | $5,240-2.7% | $6,426-20.7% | $3,470+46.9% |
| Admin fee / account holder | $13,742 | $5,519+149.0% | $9,284+48.0% | $4,887+181.2% |