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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 | $77,447 | $59,819+29.5% | $79,583-2.7% | $68,490+13.1% |
| Participation rate | 61.2% | 61.1%+0.2pp | 69.5%-8.3pp | 67.9%-6.7pp |
| Annual return | -21.14% | -12.30%-8.8pp | 0.16%-21.3pp | -7.85%-13.3pp |
| Employer contribution / active EE | $1,398 | $1,505-7.1% | $2,414-42.1% | $2,597-46.2% |
| Participant deferral / active EE | $2,858 | $3,025-5.5% | $3,986-28.3% | $4,028-29.0% |
| Admin fee / account holder | $2,599 | $4,835-46.3% | $6,835-62.0% | $5,403-51.9% |