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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 | $42,283 | $167,362-74.7% | $143,799-70.6% | $134,532-68.6% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | -20.45% | 0.47%-20.9pp | -0.04%-20.4pp | 418.27%-438.7pp |
| Employer contribution / active EE | $1,860 | $5,620-66.9% | $4,952-62.4% | $4,741-60.8% |
| Participant deferral / active EE | $6,973 | $6,447+8.2% | $5,638+23.7% | $6,401+8.9% |
| Admin fee / account holder | $457 | $18,094-97.5% | $14,677-96.9% | $11,429-96.0% |