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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 | $96,921 | $52,911+83.2% | $73,309+32.2% | $59,633+62.5% |
| Participation rate | 53.4% | 68.2%-14.8pp | 74.9%-21.5pp | 68.7%-15.2pp |
| Annual return | -2.62% | 12.20%-14.8pp | 5.67%-8.3pp | 2041.45%-2044.1pp |
| Employer contribution / active EE | $1,209 | $1,909-36.7% | $3,237-62.6% | $2,203-45.1% |
| Participant deferral / active EE | $6,237 | $4,069+53.3% | $4,991+25.0% | $3,192+95.4% |
| Admin fee / account holder | $11,128 | $3,835+190.2% | $5,635+97.5% | $4,297+159.0% |