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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 | $71,396 | $81,870-12.8% | $119,622-40.3% | $68,486+4.2% |
| Participation rate | 54.4% | 71.9%-17.5pp | 79.3%-24.9pp | 67.9%-13.5pp |
| Annual return | -19.85% | -23.82%+4.0pp | -14.98%-4.9pp | -7.85%-12.0pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,254 | $4,148-45.7% | $5,601-59.8% | $4,028-44.0% |
| Admin fee / account holder | $9,983 | $6,583+51.6% | $10,328-3.3% | $5,404+84.7% |