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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 | $232,313 | $82,324+182.2% | $68,803+237.6% | $134,545+72.7% |
| Participation rate | 25.0% | 75.1%-50.1pp | 69.0%-44.0pp | 81.2%-56.2pp |
| Annual return | -24.62% | -2.17%-22.4pp | -6.37%-18.2pp | 418.37%-443.0pp |
| Employer contribution / active EE | $1,299 | $3,302-60.7% | $2,656-51.1% | $4,742-72.6% |
| Participant deferral / active EE | $2,805 | $4,740-40.8% | $3,942-28.9% | $6,401-56.2% |
| Admin fee / account holder | $19,095 | $6,485+194.5% | $4,936+286.9% | $11,431+67.1% |