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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 | $59,649 | $176,794-66.3% | $146,647-59.3% | $167,553-64.4% |
| Participation rate | 44.4% | 83.6%-39.2pp | 80.1%-35.6pp | 82.1%-37.7pp |
| Annual return | -35.59% | 24.04%-59.6pp | 22.75%-58.3pp | 478.89%-514.5pp |
| Employer contribution / active EE | $2,013 | $5,161-61.0% | $4,137-51.3% | $4,840-58.4% |
| Participant deferral / active EE | $5,027 | $6,440-21.9% | $5,506-8.7% | $6,343-20.7% |
| Admin fee / account holder | $4,536 | $13,262-65.8% | $10,281-55.9% | $12,316-63.2% |