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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 | $82,840 | $87,546-5.4% | $75,784+9.3% | $125,389-33.9% |
| Participation rate | 30.0% | 80.2%-50.2pp | 75.8%-45.8pp | 83.2%-53.2pp |
| Annual return | -4.26% | 13.49%-17.7pp | 9.68%-13.9pp | 282.24%-286.5pp |
| Employer contribution / active EE | $9,615 | $3,930+144.6% | $3,323+189.3% | $4,866+97.6% |
| Participant deferral / active EE | $4,400 | $4,230+4.0% | $3,652+20.5% | $5,352-17.8% |
| Admin fee / account holder | $585 | $6,503-91.0% | $5,300-89.0% | $9,541-93.9% |