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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 | $32,413 | $64,729-49.9% | $112,263-71.1% | $68,490-52.7% |
| Participation rate | 69.2% | 67.2%+2.1pp | 75.1%-5.8pp | 67.9%+1.3pp |
| Annual return | -19.88% | -11.40%-8.5pp | 27.49%-47.4pp | -7.85%-12.0pp |
| Employer contribution / active EE | $2,472 | $2,746-10.0% | $3,636-32.0% | $2,597-4.8% |
| Participant deferral / active EE | $2,838 | $3,566-20.4% | $4,729-40.0% | $4,028-29.5% |
| Admin fee / account holder | $1,705 | $5,222-67.3% | $6,410-73.4% | $5,403-68.4% |