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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 | $70,169 | $54,355+29.1% | $82,744-15.2% | $68,486+2.5% |
| Participation rate | 57.0% | 63.9%-7.0pp | 72.6%-15.6pp | 67.9%-10.9pp |
| Annual return | -23.74% | -13.67%-10.1pp | 702.22%-726.0pp | -7.85%-15.9pp |
| Employer contribution / active EE | $3,541 | $2,219+59.6% | $3,008+17.7% | $2,597+36.4% |
| Participant deferral / active EE | $8,945 | $3,246+175.5% | $4,395+103.5% | $4,028+122.1% |
| Admin fee / account holder | $2,335 | $4,397-46.9% | $5,325-56.2% | $5,404-56.8% |