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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 | $79,427 | $167,353-52.5% | $143,797-44.8% | $134,545-41.0% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -22.78% | 0.48%-23.3pp | -0.04%-22.7pp | 418.37%-441.1pp |
| Employer contribution / active EE | $4,916 | $5,620-12.5% | $4,952-0.7% | $4,742+3.7% |
| Participant deferral / active EE | $9,503 | $6,447+47.4% | $5,638+68.5% | $6,401+48.5% |
| Admin fee / account holder | $1,582 | $18,096-91.3% | $14,679-89.2% | $11,431-86.2% |