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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 | $117,853 | $57,541+104.8% | $95,759+23.1% | $75,177+56.8% |
| Participation rate | 62.1% | 62.5%-0.4pp | 72.3%-10.1pp | 67.2%-5.1pp |
| Annual return | -26.96% | 34.93%-61.9pp | 28.42%-55.4pp | 160.75%-187.7pp |
| Employer contribution / active EE | $877 | $1,808-51.5% | $2,836-69.1% | $2,671-67.2% |
| Participant deferral / active EE | $3,508 | $3,074+14.1% | $4,244-17.3% | $4,126-15.0% |
| Admin fee / account holder | $14,229 | $4,099+247.2% | $5,678+150.6% | $5,651+151.8% |