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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 | $64,807 | $82,678-21.6% | $125,391-48.3% | $68,490-5.4% |
| Participation rate | 57.6% | 75.1%-17.5pp | 82.4%-24.8pp | 67.9%-10.3pp |
| Annual return | -20.05% | -5.97%-14.1pp | 572.41%-592.5pp | -7.85%-12.2pp |
| Employer contribution / active EE | $1,297 | $3,382-61.7% | $4,816-73.1% | $2,597-50.1% |
| Participant deferral / active EE | $4,403 | $6,111-28.0% | $7,448-40.9% | $4,028+9.3% |
| Admin fee / account holder | $1,558 | $6,277-75.2% | $10,009-84.4% | $5,403-71.2% |