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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 | $99,984 | $71,878+39.1% | $86,698+15.3% | $68,486+46.0% |
| Participation rate | 63.6% | 72.2%-8.6pp | 76.6%-13.0pp | 67.9%-4.3pp |
| Annual return | -20.08% | 3.53%-23.6pp | 35.95%-56.0pp | -7.85%-12.2pp |
| Employer contribution / active EE | $1,744 | $2,173-19.7% | $2,837-38.5% | $2,597-32.8% |
| Participant deferral / active EE | $3,036 | $3,779-19.7% | $4,656-34.8% | $4,028-24.6% |
| Admin fee / account holder | $915 | $6,113-85.0% | $7,493-87.8% | $5,404-83.1% |