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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 | $70,146 | $167,362-58.1% | $143,799-51.2% | $134,532-47.9% |
| Participation rate | 60.0% | 84.8%-24.8pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -21.60% | 0.47%-22.1pp | -0.04%-21.6pp | 418.27%-439.9pp |
| Employer contribution / active EE | $1,516 | $5,620-73.0% | $4,952-69.4% | $4,741-68.0% |
| Participant deferral / active EE | $10,988 | $6,447+70.4% | $5,638+94.9% | $6,401+71.7% |
| Admin fee / account holder | $803 | $18,094-95.6% | $14,677-94.5% | $11,429-93.0% |