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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 | $27,811 | $27,639+0.6% | $61,501-54.8% | $68,490-59.4% |
| Participation rate | 38.7% | 39.5%-0.8pp | 52.6%-13.9pp | 67.9%-29.2pp |
| Annual return | -26.13% | -13.19%-12.9pp | 339.04%-365.2pp | -7.85%-18.3pp |
| Employer contribution / active EE | $941 | $696+35.2% | $1,160-18.8% | $2,597-63.8% |
| Participant deferral / active EE | $2,586 | $1,264+104.7% | $2,125+21.7% | $4,028-35.8% |
| Admin fee / account holder | $1,373 | $2,012-31.8% | $2,132-35.6% | $5,403-74.6% |