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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 | $64,402 | $81,870-21.3% | $119,608-46.2% | $68,495-6.0% |
| Participation rate | 68.3% | 71.9%-3.6pp | 79.3%-11.0pp | 67.9%+0.4pp |
| Annual return | -22.24% | -23.82%+1.6pp | -14.98%-7.3pp | -7.84%-14.4pp |
| Employer contribution / active EE | $1,683 | $2,692-37.5% | $4,232-60.2% | $2,596-35.2% |
| Participant deferral / active EE | $6,704 | $4,148+61.6% | $5,601+19.7% | $4,028+66.4% |
| Admin fee / account holder | $15,052 | $6,583+128.7% | $10,326+45.8% | $5,403+178.6% |