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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 | $32,807 | $27,639+18.7% | $61,501-46.7% | $68,490-52.1% |
| Participation rate | 54.0% | 39.5%+14.5pp | 52.6%+1.4pp | 67.9%-13.9pp |
| Annual return | -23.53% | -13.19%-10.3pp | 339.04%-362.6pp | -7.85%-15.7pp |
| Employer contribution / active EE | $738 | $696+6.0% | $1,160-36.4% | $2,597-71.6% |
| Participant deferral / active EE | $1,294 | $1,264+2.4% | $2,125-39.1% | $4,028-67.9% |
| Admin fee / account holder | $1,978 | $2,012-1.7% | $2,132-7.2% | $5,403-63.4% |