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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 | $79,269 | $85,790-7.6% | $67,313+17.8% | $135,380-41.4% |
| Participation rate | 66.7% | 76.5%-9.8pp | 69.1%-2.4pp | 82.6%-16.0pp |
| Annual return | -11.29% | -0.54%-10.8pp | -4.08%-7.2pp | 519.81%-531.1pp |
| Employer contribution / active EE | $2,997 | $3,487-14.1% | $2,566+16.8% | $4,779-37.3% |
| Participant deferral / active EE | $8,108 | $4,651+74.3% | $3,568+127.2% | $5,609+44.6% |
| Admin fee / account holder | $11,812 | $6,392+84.8% | $4,507+162.1% | $10,828+9.1% |