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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 | $135,547 | $81,870+65.6% | $119,622+13.3% | $68,486+97.9% |
| Participation rate | 56.3% | 71.9%-15.6pp | 79.3%-22.9pp | 67.9%-11.6pp |
| Annual return | -20.05% | -23.82%+3.8pp | -14.98%-5.1pp | -7.85%-12.2pp |
| Employer contribution / active EE | $1,960 | $2,692-27.2% | $4,232-53.7% | $2,597-24.5% |
| Participant deferral / active EE | $3,820 | $4,148-7.9% | $5,601-31.8% | $4,028-5.1% |
| Admin fee / account holder | $6,338 | $6,583-3.7% | $10,328-38.6% | $5,404+17.3% |