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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 | $26,901 | $64,729-58.4% | $112,263-76.0% | $68,490-60.7% |
| Participation rate | 61.5% | 67.2%-5.6pp | 75.1%-13.5pp | 67.9%-6.4pp |
| Annual return | -19.84% | -11.40%-8.4pp | 27.49%-47.3pp | -7.85%-12.0pp |
| Employer contribution / active EE | $1,731 | $2,746-37.0% | $3,636-52.4% | $2,597-33.4% |
| Participant deferral / active EE | $5,151 | $3,566+44.5% | $4,729+8.9% | $4,028+27.9% |
| Admin fee / account holder | $394 | $5,222-92.5% | $6,410-93.9% | $5,403-92.7% |