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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 | $92,766 | $86,692+7.0% | $119,634-22.5% | $66,949+38.6% |
| Participation rate | 67.3% | 75.6%-8.3pp | 79.3%-12.0pp | 69.8%-2.5pp |
| Annual return | -19.70% | -8.00%-11.7pp | -14.98%-4.7pp | 1.57%-21.3pp |
| Employer contribution / active EE | $1,371 | $2,536-45.9% | $4,232-67.6% | $2,545-46.1% |
| Participant deferral / active EE | $4,807 | $4,360+10.2% | $5,601-14.2% | $4,239+13.4% |
| Admin fee / account holder | $15,684 | $755+1977.2% | $10,329+51.8% | $594+2542.2% |