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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 | $69,573 | $71,873-3.2% | $86,698-19.8% | $68,490+1.6% |
| Participation rate | 62.5% | 72.2%-9.7pp | 76.6%-14.1pp | 67.9%-5.4pp |
| Annual return | -21.86% | 3.54%-25.4pp | 35.96%-57.8pp | -7.85%-14.0pp |
| Employer contribution / active EE | $729 | $2,173-66.4% | $2,837-74.3% | $2,597-71.9% |
| Participant deferral / active EE | $3,716 | $3,779-1.7% | $4,656-20.2% | $4,028-7.7% |
| Admin fee / account holder | $1,582 | $6,110-74.1% | $7,492-78.9% | $5,403-70.7% |