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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 | $34,394 | $64,719-46.9% | $112,249-69.4% | $68,486-49.8% |
| Participation rate | 65.5% | 67.2%-1.6pp | 75.1%-9.5pp | 67.9%-2.4pp |
| Annual return | -25.00% | -11.40%-13.6pp | 27.48%-52.5pp | -7.85%-17.1pp |
| Employer contribution / active EE | $7,035 | $2,747+156.1% | $3,636+93.5% | $2,597+170.9% |
| Participant deferral / active EE | $6,932 | $3,565+94.4% | $4,729+46.6% | $4,028+72.1% |
| Admin fee / account holder | $486 | $5,232-90.7% | $6,412-92.4% | $5,404-91.0% |