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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 | $66,030 | $56,339+17.2% | $104,299-36.7% | $68,490-3.6% |
| Participation rate | 46.2% | 63.3%-17.1pp | 73.3%-27.1pp | 67.9%-21.7pp |
| Annual return | -26.38% | -9.19%-17.2pp | 24.62%-51.0pp | -7.85%-18.5pp |
| Employer contribution / active EE | $1,101 | $1,960-43.8% | $3,373-67.4% | $2,597-57.6% |
| Participant deferral / active EE | $2,245 | $3,077-27.1% | $4,626-51.5% | $4,028-44.3% |
| Admin fee / account holder | $2,669 | $4,902-45.6% | $7,339-63.6% | $5,403-50.6% |