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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 | $47,183 | $45,872+2.9% | $77,100-38.8% | $68,490-31.1% |
| Participation rate | 34.0% | 55.9%-21.9pp | 67.9%-33.9pp | 67.9%-33.9pp |
| Annual return | -20.31% | 1.73%-22.0pp | 42.35%-62.7pp | -7.85%-12.5pp |
| Employer contribution / active EE | $943 | $1,650-42.8% | $2,815-66.5% | $2,597-63.7% |
| Participant deferral / active EE | $2,427 | $2,963-18.1% | $4,430-45.2% | $4,028-39.7% |
| Admin fee / account holder | $628 | $3,041-79.4% | $5,443-88.5% | $5,403-88.4% |