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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 | $98,998 | $64,729+52.9% | $112,263-11.8% | $68,490+44.5% |
| Participation rate | 53.7% | 67.2%-13.5pp | 75.1%-21.4pp | 67.9%-14.2pp |
| Annual return | -23.25% | -11.40%-11.9pp | 27.49%-50.7pp | -7.85%-15.4pp |
| Employer contribution / active EE | $1,631 | $2,746-40.6% | $3,636-55.1% | $2,597-37.2% |
| Participant deferral / active EE | $3,263 | $3,566-8.5% | $4,729-31.0% | $4,028-19.0% |
| Admin fee / account holder | $5,324 | $5,222+2.0% | $6,410-17.0% | $5,403-1.5% |