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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 | $60,296 | $95,917-37.1% | $79,583-24.2% | $134,545-55.2% |
| Participation rate | 64.7% | 75.0%-10.3pp | 69.5%-4.8pp | 81.2%-16.5pp |
| Annual return | -23.43% | -2.70%-20.7pp | 0.16%-23.6pp | 418.37%-441.8pp |
| Employer contribution / active EE | $1,104 | $3,129-64.7% | $2,414-54.3% | $4,742-76.7% |
| Participant deferral / active EE | $6,375 | $4,694+35.8% | $3,986+59.9% | $6,401-0.4% |
| Admin fee / account holder | $1,073 | $9,132-88.2% | $6,835-84.3% | $11,431-90.6% |