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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 | $64,781 | $58,093+11.5% | $80,022-19.0% | $56,287+15.1% |
| Participation rate | 41.0% | 73.6%-32.6pp | 75.8%-34.8pp | 69.9%-28.9pp |
| Annual return | -8.27% | 34.63%-42.9pp | 11.22%-19.5pp | -9.96%+1.7pp |
| Employer contribution / active EE | $2,475 | $1,933+28.1% | $2,468+0.3% | $2,111+17.2% |
| Participant deferral / active EE | $2,164 | $3,136-31.0% | $3,686-41.3% | $3,350-35.4% |
| Admin fee / account holder | $3,402 | $623+446.4% | $6,521-47.8% | $521+553.1% |