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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 | $63,434 | $110,337-42.5% | $102,383-38.0% | $145,877-56.5% |
| Participation rate | 57.1% | 77.9%-20.8pp | 74.5%-17.4pp | 80.3%-23.2pp |
| Annual return | -6.42% | 24.83%-31.3pp | 24.94%-31.4pp | 551.28%-557.7pp |
| Employer contribution / active EE | $3,660 | $4,216-13.2% | $3,870-5.4% | $4,663-21.5% |
| Participant deferral / active EE | $5,211 | $5,621-7.3% | $5,060+3.0% | $6,691-22.1% |
| Admin fee / account holder | $1,466 | $9,750-85.0% | $8,391-82.5% | $13,402-89.1% |