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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 | $86,848 | $54,355+59.8% | $82,744+5.0% | $68,486+26.8% |
| Participation rate | 47.9% | 63.9%-16.1pp | 72.6%-24.7pp | 67.9%-20.0pp |
| Annual return | -20.12% | -13.67%-6.4pp | 702.22%-722.3pp | -7.85%-12.3pp |
| Employer contribution / active EE | $463 | $2,219-79.1% | $3,008-84.6% | $2,597-82.2% |
| Participant deferral / active EE | $3,303 | $3,246+1.7% | $4,395-24.8% | $4,028-18.0% |
| Admin fee / account holder | $4,034 | $4,397-8.2% | $5,325-24.2% | $5,404-25.3% |