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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 | $81,917 | $56,339+45.4% | $104,299-21.5% | $68,490+19.6% |
| Participation rate | 68.9% | 63.3%+5.6pp | 73.3%-4.4pp | 67.9%+1.0pp |
| Annual return | -23.75% | -9.19%-14.6pp | 24.62%-48.4pp | -7.85%-15.9pp |
| Employer contribution / active EE | $1,495 | $1,960-23.7% | $3,373-55.7% | $2,597-42.4% |
| Participant deferral / active EE | $4,013 | $3,077+30.4% | $4,626-13.2% | $4,028-0.4% |
| Admin fee / account holder | $2,122 | $4,902-56.7% | $7,339-71.1% | $5,403-60.7% |