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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 | $148,914 | $67,396+121.0% | $60,919+144.4% | $134,545+10.7% |
| Participation rate | 60.0% | 76.2%-16.2pp | 73.1%-13.1pp | 81.2%-21.2pp |
| Annual return | -22.99% | 50.12%-73.1pp | 16.96%-40.0pp | 418.37%-441.4pp |
| Employer contribution / active EE | $2,714 | $3,101-12.5% | $2,704+0.4% | $4,742-42.8% |
| Participant deferral / active EE | $11,188 | $4,534+146.7% | $3,814+193.3% | $6,401+74.8% |
| Admin fee / account holder | $1,074 | $4,590-76.6% | $3,228-66.7% | $11,431-90.6% |