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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 | $99,237 | $64,706+53.4% | $112,244-11.6% | $68,498+44.9% |
| Participation rate | 65.7% | 67.1%-1.4pp | 75.1%-9.3pp | 67.9%-2.2pp |
| Annual return | -19.59% | -11.40%-8.2pp | 27.46%-47.0pp | -7.84%-11.7pp |
| Employer contribution / active EE | $1,569 | $2,746-42.9% | $3,635-56.8% | $2,596-39.6% |
| Participant deferral / active EE | $4,903 | $3,565+37.5% | $4,728+3.7% | $4,027+21.7% |
| Admin fee / account holder | $21,109 | $5,231+303.5% | $6,411+229.3% | $5,403+290.7% |