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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 | $75,569 | $69,012+9.5% | $160,037-52.8% | $68,490+10.3% |
| Participation rate | 45.2% | 65.4%-20.2pp | 78.0%-32.7pp | 67.9%-22.7pp |
| Annual return | -19.56% | -9.65%-9.9pp | 408.95%-428.5pp | -7.85%-11.7pp |
| Employer contribution / active EE | $1,907 | $2,212-13.8% | $4,226-54.9% | $2,597-26.5% |
| Participant deferral / active EE | $4,409 | $4,212+4.7% | $6,184-28.7% | $4,028+9.5% |
| Admin fee / account holder | $378 | $4,798-92.1% | $8,716-95.7% | $5,403-93.0% |