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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 | $205,395 | $97,881+109.8% | $80,004+156.7% | $125,389+63.8% |
| Participation rate | 50.0% | 77.9%-27.9pp | 73.0%-23.0pp | 83.2%-33.2pp |
| Annual return | -10.01% | 9.36%-19.4pp | 7.63%-17.6pp | 282.24%-292.3pp |
| Employer contribution / active EE | $1,130 | $3,128-63.9% | $2,473-54.3% | $4,866-76.8% |
| Participant deferral / active EE | $12,000 | $3,744+220.5% | $3,204+274.6% | $5,352+124.2% |
| Admin fee / account holder | $2,142 | $6,278-65.9% | $5,033-57.4% | $9,541-77.5% |