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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 | $38,491 | $59,813-35.6% | $79,580-51.6% | $68,486-43.8% |
| Participation rate | 62.2% | 61.1%+1.1pp | 69.5%-7.3pp | 67.9%-5.7pp |
| Annual return | -20.19% | -12.30%-7.9pp | 0.15%-20.3pp | -7.85%-12.3pp |
| Employer contribution / active EE | $1,799 | $1,505+19.5% | $2,413-25.5% | $2,597-30.7% |
| Participant deferral / active EE | $4,015 | $3,024+32.7% | $3,985+0.7% | $4,028-0.3% |
| Admin fee / account holder | $1,270 | $4,835-73.7% | $6,835-81.4% | $5,404-76.5% |