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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 | $60,905 | $71,873-15.3% | $86,698-29.8% | $68,490-11.1% |
| Participation rate | 54.7% | 72.2%-17.5pp | 76.6%-21.9pp | 67.9%-13.2pp |
| Annual return | -20.06% | 3.54%-23.6pp | 35.96%-56.0pp | -7.85%-12.2pp |
| Employer contribution / active EE | $1,470 | $2,173-32.4% | $2,837-48.2% | $2,597-43.4% |
| Participant deferral / active EE | $2,339 | $3,779-38.1% | $4,656-49.8% | $4,028-41.9% |
| Admin fee / account holder | $5,433 | $6,110-11.1% | $7,492-27.5% | $5,403+0.6% |