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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 | $167,286 | $211,946-21.1% | $169,452-1.3% | $135,380+23.6% |
| Participation rate | 50.0% | 82.6%-32.6pp | 77.8%-27.8pp | 82.6%-32.6pp |
| Annual return | -13.82% | 3.26%-17.1pp | 1.83%-15.6pp | 519.81%-533.6pp |
| Employer contribution / active EE | $1,800 | $5,117-64.8% | $4,157-56.7% | $4,779-62.3% |
| Participant deferral / active EE | $9,250 | $6,075+52.3% | $5,277+75.3% | $5,609+64.9% |
| Admin fee / account holder | $1,743 | $11,472-84.8% | $9,110-80.9% | $10,828-83.9% |