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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 | $72,431 | $81,870-11.5% | $119,634-39.5% | $68,490+5.8% |
| Participation rate | 50.6% | 71.9%-21.3pp | 79.3%-28.7pp | 67.9%-17.3pp |
| Annual return | -19.51% | -23.82%+4.3pp | -14.98%-4.5pp | -7.85%-11.7pp |
| Employer contribution / active EE | $1,841 | $2,692-31.6% | $4,232-56.5% | $2,597-29.1% |
| Participant deferral / active EE | $2,851 | $4,148-31.3% | $5,601-49.1% | $4,028-29.2% |
| Admin fee / account holder | $3,390 | $6,583-48.5% | $10,329-67.2% | $5,403-37.3% |