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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 | $73,777 | $77,817-5.2% | $123,553-40.3% | $64,173+15.0% |
| Participation rate | 63.6% | 74.7%-11.1pp | 82.3%-18.7pp | 69.6%-5.9pp |
| Annual return | -9.72% | 12.49%-22.2pp | 119.21%-128.9pp | 7.63%-17.4pp |
| Employer contribution / active EE | $1,002 | $3,014-66.8% | $4,628-78.4% | $2,381-57.9% |
| Participant deferral / active EE | $2,681 | $5,240-48.8% | $6,426-58.3% | $3,470-22.7% |
| Admin fee / account holder | $6,422 | $5,519+16.4% | $9,284-30.8% | $4,887+31.4% |