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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 | $106,925 | $97,020+10.2% | $83,327+28.3% | $135,380-21.0% |
| Participation rate | 50.0% | 80.4%-30.4pp | 77.8%-27.8pp | 82.6%-32.6pp |
| Annual return | -11.48% | 12.31%-23.8pp | 10.64%-22.1pp | 519.81%-531.3pp |
| Employer contribution / active EE | $0 | $4,144-100.0% | $3,379-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $4,775 | $5,964-19.9% | $5,565-14.2% | $5,609-14.9% |
| Admin fee / account holder | $1,323 | $8,426-84.3% | $7,540-82.5% | $10,828-87.8% |