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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 | $46,461 | $59,813-22.3% | $79,580-41.6% | $68,486-32.2% |
| Participation rate | 57.5% | 61.1%-3.6pp | 69.5%-12.0pp | 67.9%-10.4pp |
| Annual return | -25.13% | -12.30%-12.8pp | 0.15%-25.3pp | -7.85%-17.3pp |
| Employer contribution / active EE | $1,335 | $1,505-11.3% | $2,413-44.7% | $2,597-48.6% |
| Participant deferral / active EE | $4,176 | $3,024+38.1% | $3,985+4.8% | $4,028+3.7% |
| Admin fee / account holder | $9,232 | $4,835+90.9% | $6,835+35.1% | $5,404+70.8% |