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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 | $97,458 | $54,162+79.9% | $68,612+42.0% | $64,173+51.9% |
| Participation rate | 19.2% | 68.1%-48.8pp | 72.2%-53.0pp | 69.6%-50.3pp |
| Annual return | -7.92% | -1.62%-6.3pp | -4.63%-3.3pp | 7.63%-15.6pp |
| Employer contribution / active EE | $466 | $1,846-74.7% | $2,625-82.2% | $2,381-80.4% |
| Participant deferral / active EE | $1,107 | $2,626-57.9% | $3,311-66.6% | $3,470-68.1% |
| Admin fee / account holder | $1,511 | $4,029-62.5% | $5,131-70.6% | $4,887-69.1% |