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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 | $45,352 | $53,162-14.7% | $91,225-50.3% | $68,486-33.8% |
| Participation rate | 63.3% | 63.2%+0.1pp | 73.2%-9.9pp | 67.9%-4.6pp |
| Annual return | -20.52% | -3.14%-17.4pp | 114.12%-134.6pp | -7.85%-12.7pp |
| Employer contribution / active EE | $2,434 | $1,709+42.4% | $2,851-14.6% | $2,597-6.3% |
| Participant deferral / active EE | $5,423 | $2,974+82.4% | $4,233+28.1% | $4,028+34.6% |
| Admin fee / account holder | $2,254 | $4,493-49.8% | $5,422-58.4% | $5,404-58.3% |