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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 | $45,343 | $81,870-44.6% | $119,634-62.1% | $68,490-33.8% |
| Participation rate | 59.6% | 71.9%-12.2pp | 79.3%-19.6pp | 67.9%-8.2pp |
| Annual return | -19.69% | -23.82%+4.1pp | -14.98%-4.7pp | -7.85%-11.8pp |
| Employer contribution / active EE | $2,226 | $2,692-17.3% | $4,232-47.4% | $2,597-14.3% |
| Participant deferral / active EE | $6,490 | $4,148+56.4% | $5,601+15.9% | $4,028+61.1% |
| Admin fee / account holder | $2,132 | $6,583-67.6% | $10,329-79.4% | $5,403-60.5% |