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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 | $40,977 | $167,522-75.5% | $151,639-73.0% | $134,532-69.5% |
| Participation rate | 68.4% | 88.4%-20.0pp | 87.5%-19.1pp | 81.2%-12.8pp |
| Annual return | -29.48% | 7.81%-37.3pp | 3.34%-32.8pp | 418.27%-447.7pp |
| Employer contribution / active EE | $6,389 | $6,828-6.4% | $6,165+3.6% | $4,741+34.8% |
| Participant deferral / active EE | $10,073 | $8,986+12.1% | $8,363+20.4% | $6,401+57.4% |
| Admin fee / account holder | $1,918 | $13,780-86.1% | $11,613-83.5% | $11,429-83.2% |