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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 | $50,710 | $73,848-31.3% | $143,799-64.7% | $68,486-26.0% |
| Participation rate | 45.5% | 66.7%-21.2pp | 80.3%-34.9pp | 67.9%-22.4pp |
| Annual return | -20.07% | 0.91%-21.0pp | -0.04%-20.0pp | -7.85%-12.2pp |
| Employer contribution / active EE | $1,528 | $3,184-52.0% | $4,952-69.1% | $2,597-41.2% |
| Participant deferral / active EE | $4,225 | $3,385+24.8% | $5,638-25.1% | $4,028+4.9% |
| Admin fee / account holder | $2,065 | $5,755-64.1% | $14,677-85.9% | $5,404-61.8% |