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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 | $30,171 | $76,407-60.5% | $150,298-79.9% | $82,448-63.4% |
| Participation rate | 68.8% | 66.4%+2.4pp | 77.8%-8.9pp | 68.1%+0.8pp |
| Annual return | -16.12% | 39.99%-56.1pp | 62.79%-78.9pp | 41.64%-57.8pp |
| Employer contribution / active EE | $1,335 | $2,614-48.9% | $4,154-67.9% | $2,551-47.7% |
| Participant deferral / active EE | $1,859 | $3,214-42.2% | $5,453-65.9% | $4,139-55.1% |
| Admin fee / account holder | $2,916 | $6,352-54.1% | $14,116-79.3% | $7,234-59.7% |