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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 | $116,633 | $54,357+114.6% | $82,706+41.0% | $68,495+70.3% |
| Participation rate | 33.3% | 63.9%-30.6pp | 72.6%-39.2pp | 67.9%-34.6pp |
| Annual return | -19.68% | -13.67%-6.0pp | 701.76%-721.4pp | -7.84%-11.8pp |
| Employer contribution / active EE | $645 | $2,218-70.9% | $3,007-78.5% | $2,596-75.2% |
| Participant deferral / active EE | $2,003 | $3,246-38.3% | $4,394-54.4% | $4,028-50.3% |
| Admin fee / account holder | $5,020 | $4,396+14.2% | $5,329-5.8% | $5,403-7.1% |