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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 | $80,741 | $94,529-14.6% | $140,019-42.3% | $64,173+25.8% |
| Participation rate | 63.3% | 84.1%-20.8pp | 87.5%-24.2pp | 69.6%-6.3pp |
| Annual return | -9.84% | 7.77%-17.6pp | 651.17%-661.0pp | 7.63%-17.5pp |
| Employer contribution / active EE | $2,844 | $3,812-25.4% | $5,605-49.3% | $2,381+19.5% |
| Participant deferral / active EE | $3,164 | $5,250-39.7% | $6,927-54.3% | $3,470-8.8% |
| Admin fee / account holder | $2,110 | $6,741-68.7% | $10,705-80.3% | $4,887-56.8% |