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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 | $74,171 | $95,917-22.7% | $79,583-6.8% | $134,545-44.9% |
| Participation rate | 37.5% | 75.0%-37.5pp | 69.5%-32.0pp | 81.2%-43.7pp |
| Annual return | -25.95% | -2.70%-23.2pp | 0.16%-26.1pp | 418.37%-444.3pp |
| Employer contribution / active EE | $1,581 | $3,129-49.5% | $2,414-34.5% | $4,742-66.6% |
| Participant deferral / active EE | $5,504 | $4,694+17.3% | $3,986+38.1% | $6,401-14.0% |
| Admin fee / account holder | $587 | $9,132-93.6% | $6,835-91.4% | $11,431-94.9% |