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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 | $64,263 | $71,873-10.6% | $86,698-25.9% | $68,490-6.2% |
| Participation rate | 68.6% | 72.2%-3.7pp | 76.6%-8.0pp | 67.9%+0.7pp |
| Annual return | -20.11% | 3.54%-23.6pp | 35.96%-56.1pp | -7.85%-12.3pp |
| Employer contribution / active EE | $3,069 | $2,173+41.2% | $2,837+8.2% | $2,597+18.2% |
| Participant deferral / active EE | $6,937 | $3,779+83.6% | $4,656+49.0% | $4,028+72.2% |
| Admin fee / account holder | $3,103 | $6,110-49.2% | $7,492-58.6% | $5,403-42.6% |