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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 | $90,521 | $154,193-41.3% | $130,045-30.4% | $139,466-35.1% |
| Participation rate | 40.0% | 82.0%-42.0pp | 78.5%-38.5pp | 80.3%-40.3pp |
| Annual return | -7.31% | 32.51%-39.8pp | -137.30%+130.0pp | 373.66%-381.0pp |
| Employer contribution / active EE | $1,089 | $5,292-79.4% | $4,321-74.8% | $4,754-77.1% |
| Participant deferral / active EE | $9,313 | $6,709+38.8% | $5,820+60.0% | $6,712+38.8% |
| Admin fee / account holder | $865 | $13,989-93.8% | $10,600-91.8% | $11,409-92.4% |