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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 | $69,220 | $65,082+6.4% | $81,367-14.9% | $59,633+16.1% |
| Participation rate | 31.0% | 76.0%-44.9pp | 82.3%-51.3pp | 68.7%-37.6pp |
| Annual return | -3.53% | 1.16%-4.7pp | -0.92%-2.6pp | 2041.45%-2045.0pp |
| Employer contribution / active EE | $1,147 | $2,934-60.9% | $3,930-70.8% | $2,203-47.9% |
| Participant deferral / active EE | $3,127 | $4,083-23.4% | $5,383-41.9% | $3,192-2.0% |
| Admin fee / account holder | $724 | $7,582-90.5% | $8,926-91.9% | $4,297-83.2% |