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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 | $54,871 | $133,998-59.1% | $112,263-51.1% | $134,545-59.2% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -21.40% | 47.17%-68.6pp | 27.49%-48.9pp | 418.37%-439.8pp |
| Employer contribution / active EE | $3,317 | $4,040-17.9% | $3,636-8.8% | $4,742-30.0% |
| Participant deferral / active EE | $4,084 | $5,292-22.8% | $4,729-13.6% | $6,401-36.2% |
| Admin fee / account holder | $8,558 | $7,493+14.2% | $6,410+33.5% | $11,431-25.1% |