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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 | $49,969 | $73,848-32.3% | $143,799-65.3% | $68,486-27.0% |
| Participation rate | 65.4% | 66.7%-1.3pp | 80.3%-14.9pp | 67.9%-2.5pp |
| Annual return | -20.24% | 0.91%-21.2pp | -0.04%-20.2pp | -7.85%-12.4pp |
| Employer contribution / active EE | $1,161 | $3,184-63.5% | $4,952-76.5% | $2,597-55.3% |
| Participant deferral / active EE | $3,661 | $3,385+8.2% | $5,638-35.1% | $4,028-9.1% |
| Admin fee / account holder | $1,615 | $5,755-71.9% | $14,677-89.0% | $5,404-70.1% |