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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 | $242,722 | $54,355+346.5% | $82,744+193.3% | $68,486+254.4% |
| Participation rate | 64.1% | 63.9%+0.2pp | 72.6%-8.5pp | 67.9%-3.8pp |
| Annual return | -20.70% | -13.67%-7.0pp | 702.22%-722.9pp | -7.85%-12.8pp |
| Employer contribution / active EE | $2,629 | $2,219+18.5% | $3,008-12.6% | $2,597+1.3% |
| Participant deferral / active EE | $5,245 | $3,246+61.5% | $4,395+19.3% | $4,028+30.2% |
| Admin fee / account holder | $1,520 | $4,397-65.4% | $5,325-71.5% | $5,404-71.9% |