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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 | $67,937 | $72,273-6.0% | $101,275-32.9% | $79,856-14.9% |
| Participation rate | 36.4% | 68.5%-32.1pp | 75.8%-39.4pp | 69.6%-33.3pp |
| Annual return | -8.29% | 22.30%-30.6pp | 46.48%-54.8pp | 31.71%-40.0pp |
| Employer contribution / active EE | $1,369 | $2,691-49.1% | $3,660-62.6% | $2,471-44.6% |
| Participant deferral / active EE | $2,112 | $3,282-35.6% | $4,371-51.7% | $3,741-43.5% |
| Admin fee / account holder | $3,331 | $4,401-24.3% | $5,948-44.0% | $5,306-37.2% |