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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 | $71,947 | $127,387-43.5% | $115,038-37.5% | $125,389-42.6% |
| Participation rate | 66.7% | 84.2%-17.5pp | 81.4%-14.7pp | 83.2%-16.5pp |
| Annual return | -5.30% | 31.28%-36.6pp | 26.14%-31.4pp | 282.24%-287.5pp |
| Employer contribution / active EE | $2,670 | $5,166-48.3% | $4,608-42.0% | $4,866-45.1% |
| Participant deferral / active EE | $3,890 | $6,423-39.4% | $6,026-35.5% | $5,352-27.3% |
| Admin fee / account holder | $6,202 | $9,516-34.8% | $8,175-24.1% | $9,541-35.0% |