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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 | $68,766 | $71,872-4.3% | $86,691-20.7% | $68,495+0.4% |
| Participation rate | 68.6% | 72.2%-3.7pp | 76.6%-8.0pp | 67.9%+0.7pp |
| Annual return | -18.90% | 3.53%-22.4pp | 35.94%-54.8pp | -7.84%-11.1pp |
| Employer contribution / active EE | $3,102 | $2,173+42.7% | $2,837+9.3% | $2,596+19.5% |
| Participant deferral / active EE | $3,161 | $3,779-16.3% | $4,656-32.1% | $4,028-21.5% |
| Admin fee / account holder | $824 | $6,112-86.5% | $7,492-89.0% | $5,403-84.7% |