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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 | $49,630 | $125,797-60.5% | $170,043-70.8% | $75,173-34.0% |
| Participation rate | 63.0% | 83.6%-20.6pp | 87.0%-24.0pp | 67.2%-4.2pp |
| Annual return | -9.75% | 27.20%-36.9pp | 53.40%-63.2pp | 160.72%-170.5pp |
| Employer contribution / active EE | $5,108 | $4,616+10.7% | $6,790-24.8% | $2,671+91.2% |
| Participant deferral / active EE | $6,843 | $6,838+0.1% | $10,410-34.3% | $4,126+65.8% |
| Admin fee / account holder | $767 | $8,177-90.6% | $12,824-94.0% | $5,651-86.4% |