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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 | $84,558 | $81,870+3.3% | $119,634-29.3% | $68,490+23.5% |
| Participation rate | 68.3% | 71.9%-3.6pp | 79.3%-11.0pp | 67.9%+0.4pp |
| Annual return | -19.29% | -23.82%+4.5pp | -14.98%-4.3pp | -7.85%-11.4pp |
| Employer contribution / active EE | $2,862 | $2,692+6.3% | $4,232-32.4% | $2,597+10.2% |
| Participant deferral / active EE | $3,836 | $4,148-7.5% | $5,601-31.5% | $4,028-4.8% |
| Admin fee / account holder | $3,163 | $6,583-52.0% | $10,329-69.4% | $5,403-41.5% |