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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 | $60,396 | $167,522-63.9% | $151,639-60.2% | $134,532-55.1% |
| Participation rate | 60.0% | 88.4%-28.4pp | 87.5%-27.5pp | 81.2%-21.2pp |
| Annual return | -38.20% | 7.81%-46.0pp | 3.34%-41.5pp | 418.27%-456.5pp |
| Employer contribution / active EE | $10,448 | $6,828+53.0% | $6,165+69.5% | $4,741+120.4% |
| Participant deferral / active EE | $5,281 | $8,986-41.2% | $8,363-36.9% | $6,401-17.5% |
| Admin fee / account holder | $2,619 | $13,780-81.0% | $11,613-77.4% | $11,429-77.1% |