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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 | $72,076 | $54,355+32.6% | $82,744-12.9% | $68,486+5.2% |
| Participation rate | 51.9% | 63.9%-12.0pp | 72.6%-20.6pp | 67.9%-16.0pp |
| Annual return | -22.64% | -13.67%-9.0pp | 702.22%-724.9pp | -7.85%-14.8pp |
| Employer contribution / active EE | $2,203 | $2,219-0.7% | $3,008-26.8% | $2,597-15.2% |
| Participant deferral / active EE | $3,919 | $3,246+20.7% | $4,395-10.8% | $4,028-2.7% |
| Admin fee / account holder | $5,284 | $4,397+20.2% | $5,325-0.8% | $5,404-2.2% |