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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 | $100,959 | $154,193-34.5% | $130,045-22.4% | $139,466-27.6% |
| Participation rate | 65.0% | 82.0%-17.0pp | 78.5%-13.5pp | 80.3%-15.3pp |
| Annual return | 6.24% | 32.51%-26.3pp | -137.30%+143.5pp | 373.66%-367.4pp |
| Employer contribution / active EE | $0 | $5,292-100.0% | $4,321-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $2,066 | $6,709-69.2% | $5,820-64.5% | $6,712-69.2% |
| Admin fee / account holder | $5,465 | $13,989-60.9% | $10,600-48.4% | $11,409-52.1% |