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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 | $75,866 | $167,353-54.7% | $143,797-47.2% | $134,545-43.6% |
| Participation rate | 30.0% | 84.8%-54.8pp | 80.3%-50.3pp | 81.2%-51.2pp |
| Annual return | -26.51% | 0.48%-27.0pp | -0.04%-26.5pp | 418.37%-444.9pp |
| Employer contribution / active EE | $2,684 | $5,620-52.3% | $4,952-45.8% | $4,742-43.4% |
| Participant deferral / active EE | $5,273 | $6,447-18.2% | $5,638-6.5% | $6,401-17.6% |
| Admin fee / account holder | $10,828 | $18,096-40.2% | $14,679-26.2% | $11,431-5.3% |