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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 | $49,958 | $84,518-40.9% | $67,704-26.2% | $125,389-60.2% |
| Participation rate | 69.2% | 74.8%-5.6pp | 67.5%+1.7pp | 83.2%-14.0pp |
| Annual return | -7.58% | 2.57%-10.1pp | 25.41%-33.0pp | 282.24%-289.8pp |
| Employer contribution / active EE | $3,763 | $3,292+14.3% | $2,559+47.0% | $4,866-22.7% |
| Participant deferral / active EE | $6,636 | $4,430+49.8% | $3,585+85.1% | $5,352+24.0% |
| Admin fee / account holder | $10,922 | $5,340+104.5% | $4,255+156.7% | $9,541+14.5% |