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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 | $59,931 | $54,355+10.3% | $82,744-27.6% | $68,486-12.5% |
| Participation rate | 57.5% | 63.9%-6.4pp | 72.6%-15.1pp | 67.9%-10.4pp |
| Annual return | -20.21% | -13.67%-6.5pp | 702.22%-722.4pp | -7.85%-12.4pp |
| Employer contribution / active EE | $1,599 | $2,219-27.9% | $3,008-46.8% | $2,597-38.4% |
| Participant deferral / active EE | $4,487 | $3,246+38.2% | $4,395+2.1% | $4,028+11.4% |
| Admin fee / account holder | $17,272 | $4,397+292.8% | $5,325+224.4% | $5,404+219.6% |