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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 | $52,863 | $59,813-11.6% | $79,580-33.6% | $68,486-22.8% |
| Participation rate | 53.3% | 61.1%-7.7pp | 69.5%-16.2pp | 67.9%-14.6pp |
| Annual return | -25.01% | -12.30%-12.7pp | 0.15%-25.2pp | -7.85%-17.2pp |
| Employer contribution / active EE | $1,060 | $1,505-29.6% | $2,413-56.1% | $2,597-59.2% |
| Participant deferral / active EE | $1,681 | $3,024-44.4% | $3,985-57.8% | $4,028-58.3% |
| Admin fee / account holder | $34,233 | $4,835+608.1% | $6,835+400.9% | $5,404+533.5% |