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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 | $85,968 | $64,719+32.8% | $112,249-23.4% | $68,486+25.5% |
| Participation rate | 30.6% | 67.2%-36.6pp | 75.1%-44.5pp | 67.9%-37.3pp |
| Annual return | -19.72% | -11.40%-8.3pp | 27.48%-47.2pp | -7.85%-11.9pp |
| Employer contribution / active EE | $886 | $2,747-67.8% | $3,636-75.6% | $2,597-65.9% |
| Participant deferral / active EE | $1,644 | $3,565-53.9% | $4,729-65.2% | $4,028-59.2% |
| Admin fee / account holder | $22,437 | $5,232+328.8% | $6,412+249.9% | $5,404+315.2% |