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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 | $52,650 | $51,222+2.8% | $70,544-25.4% | $75,173-30.0% |
| Participation rate | 43.3% | 61.0%-17.6pp | 68.4%-25.0pp | 67.2%-23.9pp |
| Annual return | -5.89% | 30.06%-35.9pp | 32.79%-38.7pp | 160.72%-166.6pp |
| Employer contribution / active EE | $598 | $1,827-67.3% | $2,976-79.9% | $2,671-77.6% |
| Participant deferral / active EE | $1,925 | $2,850-32.5% | $4,568-57.9% | $4,126-53.4% |
| Admin fee / account holder | $2,428 | $4,096-40.7% | $6,427-62.2% | $5,651-57.0% |