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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 | $52,294 | $138,075-62.1% | $123,552-57.7% | $135,379-61.4% |
| Participation rate | 61.5% | 84.7%-23.2pp | 82.3%-20.8pp | 82.6%-21.1pp |
| Annual return | -9.24% | 153.70%-162.9pp | 119.20%-128.4pp | 519.79%-529.0pp |
| Employer contribution / active EE | $2,294 | $5,152-55.5% | $4,628-50.4% | $4,779-52.0% |
| Participant deferral / active EE | $7,240 | $6,800+6.5% | $6,426+12.7% | $5,609+29.1% |
| Admin fee / account holder | $7,510 | $10,917-31.2% | $9,285-19.1% | $10,828-30.6% |