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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 | $53,350 | $49,280+8.3% | $67,313-20.7% | $64,173-16.9% |
| Participation rate | 43.9% | 60.8%-16.9pp | 69.1%-25.2pp | 69.6%-25.7pp |
| Annual return | -21.31% | -1.39%-19.9pp | -4.08%-17.2pp | 7.63%-28.9pp |
| Employer contribution / active EE | $962 | $1,668-42.3% | $2,566-62.5% | $2,381-59.6% |
| Participant deferral / active EE | $1,760 | $2,484-29.1% | $3,568-50.7% | $3,470-49.3% |
| Admin fee / account holder | $11,506 | $3,863+197.9% | $4,507+155.3% | $4,887+135.4% |