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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 | $87,498 | $91,537-4.4% | $130,045-32.7% | $75,173+16.4% |
| Participation rate | 57.9% | 71.5%-13.6pp | 78.5%-20.6pp | 67.2%-9.3pp |
| Annual return | 7.54% | -631.55%+639.1pp | -137.30%+144.8pp | 160.72%-153.2pp |
| Employer contribution / active EE | $1,897 | $2,845-33.3% | $4,321-56.1% | $2,671-29.0% |
| Participant deferral / active EE | $5,261 | $4,343+21.1% | $5,820-9.6% | $4,126+27.5% |
| Admin fee / account holder | $72,768 | $6,780+973.3% | $10,600+586.5% | $5,651+1187.8% |