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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 | $95,315 | $70,418+35.4% | $96,570-1.3% | $85,847+11.0% |
| Participation rate | 13.3% | 61.8%-48.5pp | 69.8%-56.5pp | 69.3%-56.0pp |
| Annual return | -10.72% | 18.59%-29.3pp | 37.79%-48.5pp | 318.61%-329.3pp |
| Employer contribution / active EE | $343 | $1,413-75.7% | $2,357-85.5% | $2,565-86.6% |
| Participant deferral / active EE | $1,820 | $2,894-37.1% | $3,849-52.7% | $3,952-53.9% |
| Admin fee / account holder | $18,611 | $4,995+272.6% | $6,182+201.0% | $6,261+197.3% |