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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 | $57,673 | $167,362-65.5% | $143,799-59.9% | $134,532-57.1% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -28.05% | 0.47%-28.5pp | -0.04%-28.0pp | 418.27%-446.3pp |
| Employer contribution / active EE | $2,293 | $5,620-59.2% | $4,952-53.7% | $4,741-51.6% |
| Participant deferral / active EE | $6,400 | $6,447-0.7% | $5,638+13.5% | $6,4010% |
| Admin fee / account holder | $3,056 | $18,094-83.1% | $14,677-79.2% | $11,429-73.3% |