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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 | $65,986 | $97,020-32.0% | $83,327-20.8% | $135,380-51.3% |
| Participation rate | 38.9% | 80.4%-41.5pp | 77.8%-38.9pp | 82.6%-43.8pp |
| Annual return | -9.75% | 12.31%-22.1pp | 10.64%-20.4pp | 519.81%-529.6pp |
| Employer contribution / active EE | $4,053 | $4,144-2.2% | $3,379+19.9% | $4,779-15.2% |
| Participant deferral / active EE | $12,229 | $5,964+105.0% | $5,565+119.7% | $5,609+118.0% |
| Admin fee / account holder | $461 | $8,426-94.5% | $7,540-93.9% | $10,828-95.7% |