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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 | $69,910 | $81,870-14.6% | $119,634-41.6% | $68,490+2.1% |
| Participation rate | 64.3% | 71.9%-7.6pp | 79.3%-15.0pp | 67.9%-3.6pp |
| Annual return | -19.80% | -23.82%+4.0pp | -14.98%-4.8pp | -7.85%-11.9pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,246 | $4,148-21.7% | $5,601-42.0% | $4,028-19.4% |
| Admin fee / account holder | $2,263 | $6,583-65.6% | $10,329-78.1% | $5,403-58.1% |