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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 | $42,602 | $64,716-34.2% | $112,258-62.0% | $68,495-37.8% |
| Participation rate | 59.4% | 67.2%-7.7pp | 75.1%-15.6pp | 67.9%-8.5pp |
| Annual return | -23.68% | -11.40%-12.3pp | 27.47%-51.2pp | -7.84%-15.8pp |
| Employer contribution / active EE | $4,909 | $2,746+78.7% | $3,636+35.0% | $2,596+89.1% |
| Participant deferral / active EE | $4,078 | $3,565+14.4% | $4,728-13.7% | $4,028+1.3% |
| Admin fee / account holder | $3,019 | $5,232-42.3% | $6,411-52.9% | $5,403-44.1% |