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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 | $86,728 | $69,012+25.7% | $160,009-45.8% | $68,486+26.6% |
| Participation rate | 65.1% | 65.4%-0.3pp | 78.0%-12.9pp | 67.9%-2.8pp |
| Annual return | -21.73% | -9.65%-12.1pp | 408.85%-430.6pp | -7.85%-13.9pp |
| Employer contribution / active EE | $1,685 | $2,212-23.8% | $4,225-60.1% | $2,597-35.1% |
| Participant deferral / active EE | $3,079 | $4,212-26.9% | $6,183-50.2% | $4,028-23.6% |
| Admin fee / account holder | $5,993 | $4,798+24.9% | $8,715-31.2% | $5,404+10.9% |