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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 | $55,989 | $152,591-63.3% | $117,529-52.4% | $134,545-58.4% |
| Participation rate | 66.7% | 77.1%-10.4pp | 70.6%-3.9pp | 81.2%-14.6pp |
| Annual return | -20.83% | 53.04%-73.9pp | 29.77%-50.6pp | 418.37%-439.2pp |
| Employer contribution / active EE | $2,143 | $5,576-61.6% | $4,179-48.7% | $4,742-54.8% |
| Participant deferral / active EE | $13,667 | $4,821+183.5% | $4,072+235.6% | $6,401+113.5% |
| Admin fee / account holder | $1,598 | $7,004-77.2% | $5,645-71.7% | $11,431-86.0% |