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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 | $69,077 | $142,409-51.5% | $119,634-42.3% | $134,545-48.7% |
| Participation rate | 60.0% | 82.8%-22.8pp | 79.3%-19.3pp | 81.2%-21.2pp |
| Annual return | -24.48% | -12.46%-12.0pp | -14.98%-9.5pp | 418.37%-442.9pp |
| Employer contribution / active EE | $1,912 | $5,224-63.4% | $4,232-54.8% | $4,742-59.7% |
| Participant deferral / active EE | $6,100 | $6,468-5.7% | $5,601+8.9% | $6,401-4.7% |
| Admin fee / account holder | $552 | $13,594-95.9% | $10,329-94.7% | $11,431-95.2% |