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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 | $57,950 | $42,910+35.0% | $60,919-4.9% | $68,490-15.4% |
| Participation rate | 29.0% | 66.8%-37.7pp | 73.1%-44.1pp | 67.9%-38.9pp |
| Annual return | -19.16% | -13.99%-5.2pp | 16.96%-36.1pp | -7.85%-11.3pp |
| Employer contribution / active EE | $5,505 | $1,978+178.3% | $2,704+103.6% | $2,597+112.0% |
| Participant deferral / active EE | $1,284 | $2,866-55.2% | $3,814-66.3% | $4,028-68.1% |
| Admin fee / account holder | $11,421 | $3,104+267.9% | $3,228+253.9% | $5,403+111.4% |