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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 | $43,594 | $43,344+0.6% | $59,899-27.2% | $64,173-32.1% |
| Participation rate | 65.4% | 69.2%-3.8pp | 74.7%-9.3pp | 69.6%-4.2pp |
| Annual return | -7.29% | -1.55%-5.7pp | 3.46%-10.7pp | 7.63%-14.9pp |
| Employer contribution / active EE | $5,477 | $2,030+169.8% | $2,723+101.1% | $2,381+130.0% |
| Participant deferral / active EE | $4,354 | $2,547+70.9% | $3,402+28.0% | $3,470+25.5% |
| Admin fee / account holder | $1,707 | $3,008-43.3% | $3,592-52.5% | $4,887-65.1% |