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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 | $65,559 | $73,863-11.2% | $143,797-54.4% | $68,490-4.3% |
| Participation rate | 37.5% | 66.7%-29.2pp | 80.3%-42.8pp | 67.9%-30.4pp |
| Annual return | -25.45% | 0.91%-26.4pp | -0.04%-25.4pp | -7.85%-17.6pp |
| Employer contribution / active EE | $1,858 | $3,185-41.6% | $4,952-62.5% | $2,597-28.4% |
| Participant deferral / active EE | $4,610 | $3,385+36.2% | $5,638-18.2% | $4,028+14.5% |
| Admin fee / account holder | $2,521 | $5,756-56.2% | $14,679-82.8% | $5,403-53.3% |