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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 | $76,832 | $64,729+18.7% | $112,263-31.6% | $68,490+12.2% |
| Participation rate | 56.8% | 67.2%-10.3pp | 75.1%-18.2pp | 67.9%-11.1pp |
| Annual return | -27.84% | -11.40%-16.4pp | 27.49%-55.3pp | -7.85%-20.0pp |
| Employer contribution / active EE | $1,824 | $2,746-33.6% | $3,636-49.8% | $2,597-29.8% |
| Participant deferral / active EE | $4,143 | $3,566+16.2% | $4,729-12.4% | $4,028+2.9% |
| Admin fee / account holder | $4,472 | $5,222-14.4% | $6,410-30.2% | $5,403-17.2% |