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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 | $139,820 | $72,404+93.1% | $110,243+26.8% | $64,173+117.9% |
| Participation rate | 62.5% | 73.3%-10.8pp | 79.8%-17.3pp | 69.6%-7.1pp |
| Annual return | -7.69% | -6.29%-1.4pp | 314.76%-322.5pp | 7.63%-15.3pp |
| Employer contribution / active EE | $2,859 | $2,282+25.3% | $3,827-25.3% | $2,381+20.1% |
| Participant deferral / active EE | $5,655 | $3,469+63.0% | $4,672+21.0% | $3,470+63.0% |
| Admin fee / account holder | $1,094 | $5,664-80.7% | $8,548-87.2% | $4,887-77.6% |