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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 | $42,676 | $59,813-28.7% | $79,580-46.4% | $68,486-37.7% |
| Participation rate | 63.2% | 61.1%+2.1pp | 69.5%-6.3pp | 67.9%-4.7pp |
| Annual return | -19.49% | -12.30%-7.2pp | 0.15%-19.6pp | -7.85%-11.6pp |
| Employer contribution / active EE | $1,038 | $1,505-31.0% | $2,413-57.0% | $2,597-60.0% |
| Participant deferral / active EE | $1,884 | $3,024-37.7% | $3,985-52.7% | $4,028-53.2% |
| Admin fee / account holder | $1,116 | $4,835-76.9% | $6,835-83.7% | $5,404-79.4% |