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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 | $40,784 | $64,716-37.0% | $112,258-63.7% | $68,495-40.5% |
| Participation rate | 67.5% | 67.2%+0.3pp | 75.1%-7.6pp | 67.9%-0.4pp |
| Annual return | -20.00% | -11.40%-8.6pp | 27.47%-47.5pp | -7.84%-12.2pp |
| Employer contribution / active EE | $1,026 | $2,746-62.6% | $3,636-71.8% | $2,596-60.5% |
| Participant deferral / active EE | $3,170 | $3,565-11.1% | $4,728-33.0% | $4,028-21.3% |
| Admin fee / account holder | $2,503 | $5,232-52.2% | $6,411-61.0% | $5,403-53.7% |