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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 | $63,764 | $71,873-11.3% | $86,698-26.5% | $68,490-6.9% |
| Participation rate | 64.9% | 72.2%-7.4pp | 76.6%-11.7pp | 67.9%-3.0pp |
| Annual return | -18.82% | 3.54%-22.4pp | 35.96%-54.8pp | -7.85%-11.0pp |
| Employer contribution / active EE | $726 | $2,173-66.6% | $2,837-74.4% | $2,597-72.0% |
| Participant deferral / active EE | $2,125 | $3,779-43.8% | $4,656-54.4% | $4,028-47.2% |
| Admin fee / account holder | $1,868 | $6,110-69.4% | $7,492-75.1% | $5,403-65.4% |