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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 | $28,039 | $59,819-53.1% | $79,583-64.8% | $68,490-59.1% |
| Participation rate | 63.3% | 61.1%+2.3pp | 69.5%-6.2pp | 67.9%-4.6pp |
| Annual return | -19.82% | -12.30%-7.5pp | 0.16%-20.0pp | -7.85%-12.0pp |
| Employer contribution / active EE | $1,154 | $1,505-23.3% | $2,414-52.2% | $2,597-55.6% |
| Participant deferral / active EE | $3,240 | $3,025+7.1% | $3,986-18.7% | $4,028-19.6% |
| Admin fee / account holder | $530 | $4,835-89.0% | $6,835-92.3% | $5,403-90.2% |