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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 | $25,224 | $45,438-44.5% | $80,004-68.5% | $59,633-57.7% |
| Participation rate | 64.5% | 63.7%+0.8pp | 73.0%-8.5pp | 68.7%-4.2pp |
| Annual return | -4.53% | 5.10%-9.6pp | 7.63%-12.2pp | 2041.45%-2046.0pp |
| Employer contribution / active EE | $1,726 | $1,236+39.7% | $2,473-30.2% | $2,203-21.6% |
| Participant deferral / active EE | $3,705 | $2,231+66.1% | $3,204+15.6% | $3,192+16.1% |
| Admin fee / account holder | $669 | $3,464-80.7% | $5,033-86.7% | $4,297-84.4% |