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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 | $63,333 | $93,124-32.0% | $77,100-17.9% | $134,545-52.9% |
| Participation rate | 62.5% | 74.5%-12.0pp | 67.9%-5.4pp | 81.2%-18.7pp |
| Annual return | -22.03% | 62.68%-84.7pp | 42.35%-64.4pp | 418.37%-440.4pp |
| Employer contribution / active EE | $1,071 | $3,421-68.7% | $2,815-62.0% | $4,742-77.4% |
| Participant deferral / active EE | $6,210 | $5,242+18.5% | $4,430+40.2% | $6,401-3.0% |
| Admin fee / account holder | $5,110 | $6,970-26.7% | $5,443-6.1% | $11,431-55.3% |