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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 | $29,273 | $52,279-44.0% | $89,435-67.3% | $79,856-63.3% |
| Participation rate | 64.7% | 57.5%+7.2pp | 68.0%-3.3pp | 69.6%-4.9pp |
| Annual return | -0.35% | 22.16%-22.5pp | 245.55%-245.9pp | 31.71%-32.1pp |
| Employer contribution / active EE | $1,304 | $1,572-17.0% | $2,587-49.6% | $2,471-47.2% |
| Participant deferral / active EE | $2,795 | $2,740+2.0% | $3,890-28.1% | $3,741-25.3% |
| Admin fee / account holder | $4,757 | $3,356+41.7% | $4,884-2.6% | $5,306-10.4% |