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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 | $185,705 | $95,917+93.6% | $79,583+133.3% | $134,545+38.0% |
| Participation rate | 58.8% | 75.0%-16.2pp | 69.5%-10.7pp | 81.2%-22.4pp |
| Annual return | -22.45% | -2.70%-19.8pp | 0.16%-22.6pp | 418.37%-440.8pp |
| Employer contribution / active EE | $4,032 | $3,129+28.9% | $2,414+67.1% | $4,742-15.0% |
| Participant deferral / active EE | $3,506 | $4,694-25.3% | $3,986-12.0% | $6,401-45.2% |
| Admin fee / account holder | $6,351 | $9,132-30.5% | $6,835-7.1% | $11,431-44.4% |