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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 | $51,745 | $57,752-10.4% | $112,273-53.9% | $71,511-27.6% |
| Participation rate | 49.6% | 58.8%-9.2pp | 72.4%-22.8pp | 67.9%-18.3pp |
| Annual return | -3.41% | 18.25%-21.7pp | 30.23%-33.6pp | 28.86%-32.3pp |
| Employer contribution / active EE | $2,428 | $1,912+26.9% | $3,431-29.3% | $2,589-6.2% |
| Participant deferral / active EE | $1,712 | $2,860-40.1% | $4,800-64.3% | $4,291-60.1% |
| Admin fee / account holder | $4,890 | $1,586+208.3% | $7,752-36.9% | $1,588+207.9% |