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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 | $61,065 | $167,362-63.5% | $143,799-57.5% | $134,532-54.6% |
| Participation rate | 68.8% | 84.8%-16.1pp | 80.3%-11.6pp | 81.2%-12.5pp |
| Annual return | -22.34% | 0.47%-22.8pp | -0.04%-22.3pp | 418.27%-440.6pp |
| Employer contribution / active EE | $2,452 | $5,620-56.4% | $4,952-50.5% | $4,741-48.3% |
| Participant deferral / active EE | $4,784 | $6,447-25.8% | $5,638-15.1% | $6,401-25.3% |
| Admin fee / account holder | $324 | $18,094-98.2% | $14,677-97.8% | $11,429-97.2% |