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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 | $89,693 | $167,353-46.4% | $143,797-37.6% | $134,545-33.3% |
| Participation rate | 33.3% | 84.8%-51.5pp | 80.3%-47.0pp | 81.2%-47.9pp |
| Annual return | -24.45% | 0.48%-24.9pp | -0.04%-24.4pp | 418.37%-442.8pp |
| Employer contribution / active EE | $1,684 | $5,620-70.0% | $4,952-66.0% | $4,742-64.5% |
| Participant deferral / active EE | $3,657 | $6,447-43.3% | $5,638-35.1% | $6,401-42.9% |
| Admin fee / account holder | $1,826 | $18,096-89.9% | $14,679-87.6% | $11,431-84.0% |